vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

All accounts listed below have violated my rights Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section USC 1681 section 602 A states I have a right to privacy Section USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions Section USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following forms of information any other adverse item information other than records of convictions of crimes Section USC 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 Section USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2023-01-03 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Portfolio Recovery, XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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:
This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX 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 2023-01-03 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: CA

Complaint narrative:
This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XXXX XXXX, 2022, I had listed an item for sale on XXXX XXXX. I was messaged from an " interested '' party, so we went ahead with the sale. I was told she sent the {$65.00} I was asking for to my Chime acct. Said person messaged stating to make this money transfer go thru, she needed to send {$400.00} if I would send it back immediately it would activate the sale. I've done similar things to activate sales from certain places, so I went ahead with it. I also received an email that looked extremely legit, about the transaction. I was then told I needed to send another {$800.00} over to a man named XXXX XXXX, for " tax and vat. '' After sending the money, I received another email stating I needed to send another {$1000.00}, to lift the hold on my acct. The verbiage used in these later emails was off and I realized I had just been scammed. I have screenshots of the emails from fake Chime to attach to this complaint. Chime told me twice they aren't going to help me recover my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.

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 2023-01-03 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: NH

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. 

Account name : 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 non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase Amazon card for large purchase at an 18 month interest free payment. When I opened my account it defaulted to Amazon. I took the card off and put the card I wanted my purchase on-but yet it kept processing payment on this card. Amazon refunded the unauthorized purchases back to the card. Chase used the refunds to go to the interest free balance, which pushed my monthly payments up to XXXX per month from my previous XXXX monthly charge and my interest free balance to XXXX for the interest saving balance. I called several times to have this corrected and was told it would be corrected. My phone call on XX/XX/19 resulted in Chase saying that they would take the credit from the promotional item to the balance. I called in XXXX, XX/XX/19 and XXXX. I called on XXXX to pay my bill only to find that the refund wasnt corrected to refund the purchases, it was left on the interest free balance item. I was mislead and did not authorize this card for the additional purchases. My refund should have gone to the purchases not the interest free balance item. This is a gimmick. I am a single, XXXX XXXX  mom and have excellent credit and opened this card to pay for a large item interest free. My phone call on XXXX ended with Chase hanging up on me saying they wrote me a letter that they can not apply the refund as I requested, as theses purchases were not authorized on this card. I was told on XX/XX/19 that this would be corrected and the refund would be correctly applied to my purchases that were unauthorized as I requested, yet this was never completed, and Chase is now refusing to do this request as previously promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-03 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: IN

Complaint narrative:
I sent the credit bureaus a letter asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy and these XXXX accounts have been removed from XXXX while XXXX and Experian will not remove them. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds 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. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Veros Credit, LLC
State: FL

Complaint narrative:
XX/XX/XXXX entered into a Fraudulent Loan due to the fact that the vehicle is being fiance and per the consumer laws a down payment should not be taken at the time of the consumer credit transaction which violated consumer law Which I made a down payment. 

Second, Insurance premiums are supposed to be included into the finance charges per 15 U.S. Code 1605 ( a ) Third, per phone called XX/XX/XXXX, I was threaten with repossession per 15 U.S. Code 1692e ( 4 ) That is in violation of my consumer rights I have been harassed by your company, and threaten to have my car taken away which this consumer credit transaction was Fraudulent upon entering into on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Cross Country Mortgage transfer to a third-party servicer, XXXX has report XXXX months late payment, XXXX XXXX, XXXX 2022. After several emails back and forth of providing proof of their reporting error. XX/XX/2022 was corrected. XXXX and XXXX have not been changed even though I provided banking statement proof of payment that were received by XXXX XXXX and not credited to my account. They reported to the credit bureau late payments on the XXXX of the month. I researched the XXXX XXXX  - violation that accounts should be reported with at least a XXXX delay. I have reported this to the XXXX and XXXX but have not heard back from either. I am looking to this agency to help me resolve this matter as I find that they are not following the reporting law and this is affecting me need to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Checking Account was involved in fraudulent activities which included wire transfers to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported this to the bank and was unsuccessful in getting a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. 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 explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a Bank Of America ATM in XXXX XXXX Tx to deposit {$270.00} into my account. When I inserted the cash a Error appeared on the screen and told me to type the amount I deposited, I typed {$270.00} and put submit and they gave me the credit into my account right there and a little slip with a case number. I thought it was fine since XXXX weeks went by so I disposed the slip but then on XX/XX/XXXX they deducted {$150.00} from my account claiming they couldnt find that amount I deposited. I talked to a representative along with a XXXX and they basically told me there was nothing they can do I lost {$150.00} from my {$270.00} deposit. Then again today on XX/XX/XXXX I visited a different Bank Of America location to deposit more money. I counted about {$620.00} then when I insterted it I was hit again with a Error this time when I typed how much I put ( {$620.00} ) it did not give me credit in my account I got another slip. I know for a fact I put between $ XXXX {$620.00}. I do not want to be ripped off again and them only credit me less. This is the second time its happened to me and XXXX separate locations and its ridiculous. I have things to pay and this is very inconvenient. I believe these machines are malfunctioning and ripping money from costumers and they just claim they cant find it.

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 2023-01-03 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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.

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 2023-01-03 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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation