vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
I have contacted chase to advise them that transaction that took place on XX/XX/XXXX in the amount of XXXX from XXXX, order number XXXX have never arrived. Tracking number XXXX has never arrived and was trying to dispute the transaction with the bank because i have never received the merchandise i paid for. I have tried to contact the merchant by phone and email without any luck. The bank told me because i have i have paid for the order from my personal checking account they are not able to submit a clim dispute on my behalf. I do not understand why my bank will not refund me the money i have paid from my checking account to an an order that was clearly was never delivered to me, and i am claiming my money back from a fraud company. 


XXXX ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent. 


View your order or Visit our store Order summary XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$27.00} Subtotal {$27.00} Shipping {$5.00} Taxes {$0.00} Total Your order is on the way Your order is on the way. Track your shipment to see the delivery status. 


View your order or Visit our store XXXX  tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I wrote back to this company on XX/XX/XXXX regarding this debt not being valid. I requested proof of the amount owed as I NEVER received a bill from XXXX. They never provided the proof, then tacked on random fees, and now are refusing to remove this from 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 explanation
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
Iam a victim of identity fraud with XXXX has been filling disputes with them for 5 years they never send any results for they dispute with me. I disputed all negative items and things that wasnt mine on my credit report with them a month and half ago and have not received any written response from them about my dispute letter instead they are reporting incorrect balances in my credit report and refusing to update any information that is not correct I spoken to a Supervisior there XX/XX/2023 and was advised they will dispute the items I just in question still no response With Experian they are reporting incorrect balances on my account and instead removing the debt that cant verified they leave the account as closed but dont report any balances I have been requesting proof of validation of debt and they have no provided it to me.

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 2023-06-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent myself a XXXX from a XXXX account on which I am an authorized user on. The XXXX has been on hold for 15 days and Bank of America refuses to release it. At first, they accused me of fraud and then after 2 hours and 5 different reps in all different departments they asked me to call XXXX bank. XXXX bank told me the money has been sent the transaction has fully posted in the XXXX account, they no longer have the funds. XXXX offered to call bank of America and explain it to them but the bank of America employees refused to speak to the XXXX  employees. I have been a bank of america customer for 10 years and pay over XXXX a year in interest payments. I am shocked they are treating me like a fraudster for only {$300.00} XX/XX/XXXX sent XXXX from XXXX to Bank of America XXXX fully sent and posted money Bank of America had a XXXX glitch on on XX/XX/XXXX and promised they would fix the account. 
On XX/XX/XXXX bank of america is still holding my {$300.00}.

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 explanation
Consumer complaint received 2023-06-16 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.

The letters are stated with items and issues.

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 2023-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
My complaint is against ChexSystems. They are currently reporting derogatory banking information from XXXX XXXX that is more than XXXX XXXX XXXX. This is in direct violation of their own policy posted on their website that states " Our current practice is to retain record of reported information for a period of XXXX years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy. '' I am requesting that they honor their policy and remove this negative information from my report, as it is negatively impacting my chances of getting approval as I was denied from opening an account with Truliant today XX/XX/23 and their reason for doing so is because of my inaccurate Chexsystems 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 explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I got an email from pay pal XX/XX/23 to which I owe them I ordered XXXX XXXX for {$1100.00} Invoice XXXX. I did not order this item. I had a previous scam from them. XX/XX/23 pay pal. Submitted my claim I loss XXXX. I filed with local enforcement branch and with federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These credit bureau are reporting this information incorrectly and fraudulently. I will attach supporting documents in hopes of finalizing this report to be removed immediately. This company was paid in full and requested an additional amount weeks after being paid the contract amount. Along with a data breach this company is involved in. Please remove from my report showing any late payments or derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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.

The letters are stated with items and issues.

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 2023-06-16 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : Paramount Recovery SYS  Account number:XXXX Account name : Paramount Recovery SYS Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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. 

15 U.S.C 1681 b- permissible purpose. 

15 U.S.C 1681 E- compliance procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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.

The letters are stated with items and issues.

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 2023-06-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My issue is with Chase Card Services. The address I have been contacting is Chase Card Services XXXX XXXX XXXX XXXX DE XXXX. We have XXXX issues both during the period of XXXX XX/XX/2022. 

# XXXX. While in XXXX we used the card to charge on a toll bridge in XXXX while driving a rental car. The toll was approximately {$20.00} XXXX. The mistaken charge came on our credit card bill as {$200.00}. We filed a written dispute in XXXX of 2022. The response from the credit card company was that we owed the amount in question which was in error. We wrote back to the card company that the {$20.00} was authorized but not the {$170.00} # XXXX. On the same trip to XXXX our Credit card was stolen. We reported the theft within XXXX hour. We also reported the unauthorized charges of {$1400.00}. These charges were removed from our bill the next billing period but subsequently added back the month later. 

Every month since that time we have written a dispute letter to the card company. The card company has ignored our dispute letters and continued to bill us plus service charges and interest every month. Several months ago we cancelled the account. 

Now we note that the credit card company has recorded a negative past due notation on our credit report and is not indicating this is an on-going dispute. The card company continues to ignore our correspondence on both issues and simply demands payment. 

We have been a customer to this company for over 15 years without any issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Receive daily calls from multiple numbers. They are attempting to collect on a debt that was charged off 12 years ago. This is a non collectable debt. I have told 3 different representatives to remove me from their call list. The calls continue daily. When I block a number they call from a different number. Also Portfolio Recovery ( they ) has made and continues to make anywhere from 3 to 5 soft inquiries to my credit per week. There is no reason for any of this.Having already requested these actions to stop. They ignore my requests and continue the harassment. I'm fairly certain all of this is not legal. I intend to seek legal council, as I have been harassed for 2 years nonstop. This is first step in my process of documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Nothing was received by mail from this company. Just receiving frequent phone calls daily and weekly harassing me. I have blocked several numbers and they call from other numbers being disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone unknown to me gained access to my XXXX XXXX Account via my Bank of America debit account info and withdrew a total of XXXX from my account. There were XXXX total withdrawals between XXXX XXXX XXXX XXXX, 2023 from a XXXX, CA Bank of America noted as the XXXX ' location. I was out of town in XXXX XXXX when the monies were fraudulently extracted from my account. I contacted Bank of America immediately and they put in a fraud claim on my account however they advise it could take up to 90 days to resolve this issue and could not guarantee that the funds would be replenished even after that time frame.I am in need of an immediate solution as I was to use those funds to cover my XX/XX/2023 rent. I will face eviction if the funds are not replenished in my account immediately. Thank you for your consideration and prompt reply.

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 monetary relief
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
I noticed unauthorized inquiries on my Equifax and XXXX credit score report. i know nothing with regards these transactions. 

Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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/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/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a vehicle from them XXXX XXXX XXXX in CASH actually he ( man in office ) ran my card as CREDIT and took out the full amount with out my proper permission, but since it would be CHEAPER to pay the XXXX XXXX vs the {$6100.00} sticker price I didnt complain. 
I was not aware that he would be running my credit illegally since i NEVER financed thru them. They also took the car back claiming I owed them money, these are the dates my credit was illegally pulled : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called up there and they assured me they had NO FINANCE company and they didnt know who or why XXXX XXXX connected to them.

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