vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is recurring a recent check that Ive deposited to my business Account, and this transfer is on hold because its kind like a 3rd party check. The reason why i deposited this check because its authorized from the payable payee, which this check is to given to, and on the back of the check, which have includes the written and signature includes that this check have authorized payable to My account. I have try to ix this issue with my bank, but the bank have place this hold on my account full access!! This is unfair to me, becuase theres many others deposit on my account, such as cashier check that i just deposited into my account, and the bank have put this holds on my fully account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: PA

Complaint narrative:
XXXX XXXX XXXX ACCT # XXXX Amount : {$940.00} Date Opened : XX/XX/2021 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In 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 an 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 2022-11-27 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I applied for a loan from speedy cash about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from speedy cash since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible? if the open date is inaccurate, the date last active is inaccurate, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instruction.

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This is a violation please remove accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible? if the open date is inaccurate, the date last active is inaccurate, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instruction.

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This is a violation please remove accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I applied for a loan from XXXX XXXX about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from XXXX XXXX  since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
Im requesting my 3times sent {$500.00} to Discover credit card company. I didnt have a XXXX XXXXXXXX XXXX I requested the 3 checks back totaling {$15000.00}. Discover sent me a {$500.00} check But also put it on my credit card as a withdraw, that I'll owe it back. The amount is {$1500.00} that is owed back to me. I applied for a credit card. It came as {$10000.00}. I sent for a checking account, and thought I sent it to the checking account not the credit card. Discover bank credit card services kept my XXXX checks each for {$500.00}. Discover credit card added the money to my credit card making it then, {$11000.00}. The credit card wasnot a prepaid card. They claim they used my money to pay for my bills instead of using it as a credit card? I didnt know how to approach the company, but figured I'd better try something to see where my money went. I thought they sent it back 1 check for XXXX +. But that was a promotion to received dollar for dollar in purchases as cash back. Attached is the check they want me to cash yhis {$500.00} check and pay back, after I asked for my money back or where did my money go. I've explained some in the initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX BANK : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX  : # XXXXXXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX act. # XXXX XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXXXXXX or ( XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX ACT. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX Act. # XXXX The XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX act. # XXXX XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXXXXXX or ( XXXX ) Act. # XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX Funding Act. # XXXX The XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX, # XXXX Dept of Ed/XXXX, # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX, # # # # # # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of Ed/XXXX XXXX XXXX XXXX Dept of Ed/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/XXXX  # XXXX XXXX XXXX XXXXXXXX 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 2022-11-27 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: NV

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX, # XXXX Dept of Ed/XXXX, # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX, # # # # # # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX XXXX XXXX Dept of Ed/XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX Dept of EdXXXX  # XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXXXXXX 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 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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