vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I transferred from my business CHASE account via same day transfer ( XXXXsame day, low value ) to a vendor/ XXXX  {$2100.00}. 

XXXX did not receive the transfer in time to use the funds for a time sensitive transaction to XXXX. 
XXXXXXXX XXXX deadline had expired. 
The next day I received a credit from XXXX in the same amount of {$2100.00}. 

On XX/XX/XXXX CHASE issued a fee of {$21.00} for this botched same day transfer on XXXX. 

Today on XX/XX/XXXX at XXXX XXXX I called the CHASE customer service line but CHASE refused to credit the fee of {$21.00} which is a 1 % fee of the value to be transferred. 
The customer service agent escalated the credit request to her supervisor. The supervisor told me that her system is blocking a refund. 

CHASE claims the XXXX credit received on XXXX was a " separate '' transaction from XXXX  ( not a " can not deliver return '' ) so they can not credit me the service fee for the failed same day transaction service. 

Pls advise. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it 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 2023-05-16 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: Payfare International Inc.
State: NV

Complaint narrative:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XXXX made fraudulent transactions on my account. I disputed them and XXXX put the money on my account took it off and is withholding it the representatives will not listen or help me I filed a police report and sent it in with other proof they cancelled my card and issued me a new one and still will not give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
i do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

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 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 an 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 2023-05-16 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: OH

Complaint narrative:
On XXXX i called XXXX  to unfreeze mycredit agent send id, s.s, writtenon XXXX i when to postaloffice and paid XXXX XXXX XXXX  over night so that the documents be there ton XXXX i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXX agent it's lifted i called a company is with apt to check it wasn't they call me back and it was still freezen to call XXXX  back try it again XXXX the regal office talk to XXXX told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX XXXX  XXXX XXXX back on your credit report XXXX call XXXX  ok thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX i called XXXX to unfreeze mycredit agent send id, XXXX XXXX XXXXXXXX i when to postaloffice and XXXX XXXX XXXX XXXX XXXX XXXX so that the documents be there ton XXXX i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXX agent it's lifted i called a company is with XXXX  to check it wasn't they call me back and it was still freezen to call XXXX back try it again XXXX the XXXX XXXX talk to XXXX told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX and XXXX XXXX back on your credit report XXXX call XXXX  ok thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C.System for committing identity theft. I have never given I.C.System any permission to use my identifying to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. System can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and I.C.System continues its collection efforts. file for litigation for actual damages caused and I.C.System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are requested and required. Account # : - 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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I never did business with this company and this debt is a result of fraudulent identity theft. This debt is a result of fraudulent activity.

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 2023-05-16 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: CA

Complaint narrative:
Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I closed a checking account at Regions Bank. I was given a cashiers check for the total balance. Two days later on XX/XX/XXXX the account was automatically reopened because of an interest payment of XXXX XXXX XXXX. I was not notified that the account had been reopened. On XX/XX/XXXX an {$18.00} low balance fee was incurred. I tried to resolve this issue by speaking with two different customer service representatives, but was told I would need to return to the bank in person to resolve this issue.

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 2023-05-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian keep sending emails saying all of my disputes that I've mailed to them does not appear to have been sent directly by I or to be authorized by I. 

All the information I've sent them has my personal information ( SSN, ID ). 

Every letter has a full blown copy of my SSN and driver 's license. 

They just don't like someone using a disputing program using real logic and facts to 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 2023-05-17 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: MI

Complaint narrative:
Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the XXXX XXXX standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The XXXX XXXX standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and XXXX XXXX standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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 XX/XX/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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AL

Complaint narrative:
I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Here we go for the 100 th time!! 
I see one of my reports and they have the correct amounts of credit then I goto my bank vantage score and they do not show the correct amounts or accounts before they put false medical bills on my report now they are reporting in correct amounts or not showing accurate accounts then they just allow people to pull my credit report with out my permission I gave XXXX one time permission not 5 times then I gave one time to the other credit cards I received my credit cards now they just let them pull my credit which of course takes my score down for no reason also I purchased a car in 2021 I gave them permission to run my credit through XXXX I look at my credit report and there are XXXX other places I never even heard of pulled my credit and when I called them they say the car dealerships can do that? no they can not!! not with out my permission!!!

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