vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Purchased a vehicle from XXXX of XXXX. Vehicle was defective. A {$2000.00} deposit was put down on the vehicle and the vehicle was returned. The {$2000.00} was not returned to my account. Chase refuses to assist with the request and provide refund. Chase Bank has debited my account and refuses to acknowledge issue with merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I file a dispute with both Equifax and XXXX credit agency to have XXXX XXXX XXXX removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to XXXX XXXX XXXX and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted XXXX and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I file a dispute with both XXXX and Experian credit agency to have XXXX XXXX XXXX removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to XXXX XXXX XXXX and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted Experian and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both XXXX and Experian.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent XXXX dispute letters to this credit bureau and they have failed to respond to the first one which was over 30 days ago. First dispute was sent on XX/XX/2024, second dispute was sent on XX/XX/2024. No response has been given. 



15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX from XXXX until I closed the account in XX/XX/XXXX, after paying off the remaining balance in full. At the time, I requested that M & T immediately close the account. However, after the account was closed, XXXX XXXX XXXX charged me approximately {$2.00} in interest, which I was unaware of since the account was supposed to be closed. 

Because the account was no longer active, I did not receive any notifications or billing statements informing me of the interest charge or that payments were missing. It wasn't until I opened an Experian account almost a year later that I discovered my credit score had significantly dropped due to these charges, which had gone unpaid because I had no knowledge of them. 

Upon realizing this issue, I immediately paid the outstanding balance. I then contacted XXXX XXXX XXXX XXXX to request that the missed payments be removed from my credit report, as I was never informed of the charges, but my request was declined. 

I believe this situation is unfair and predatory, as I was not made aware of any balance after the account was closed, nor was I notified about missing payments. I have a strong payment history and have not missed payments on any other accounts, and this issue is now unnecessarily impacting my credit score. 

I am requesting that my credit report be updated to reflect that I was not delinquent in making payments on this account, and that the negative impact on my credit score be rectified. 

Thank you for your attention to this matter.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Following inquiries were made on my account without my knowledge. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is not working with customers! Please read all of the complaints. Accounts are being hacked and Experian is doing nothing about it. Customers can not reach a live agent. They are being blocked by an automated system that says they can only transfer 'limited calls ', when they mean they won't transfer any calls! The chat is only virtual. Customers try to create new accounts, only for them to be hacked also. 

I try to reset mine, but it ( not a real person, as that is not possible! ) will tell me that my DOB and my SSN is not correct. It will say it will send me a text, but the first 6 numbers are starred ( *** ) out and I never get the texts ( the starred out numbers have obviously been manipulated by the hackers/thieves, sharing the actual last four numbers that show. 

Experian is not offering any assistance to customers in this situation and the customers are having to fight against ID thieves because Experian is not putting up safe-guards! They are the only credit reporting agency to be having all of these issues. Please look it up and help customers! 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting 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: DE

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate. 
Please remove these Inquiries 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 2024-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I received an alert from XXXX Credit Bureau of a collections charge. When I looked at my credit report, I saw that I.C. Systems put me down for 30 days late on collection for {$540.00}. I had not been contacted by IC Systems before this in any form. I sent IC a letter stating that I wanted information on the collections : 1. original contract with signature 2payment history of account 3. I need proof of ownership, and I gave them 30 days to comply. IC Systems sent me a disconnect summary dated XXXX XXXX, XXXX, from XXXX. I moved out of the rental house on XX/XX/XXXX, and XXXX XXXX XXXX had the home rented in XXXX. I called XXXX and canceled my services on XX/XX/XXXX, and Customer Service told me my account was good until XXXX XXXX, which was my billing date. Customer Service then informed me that I must turn my equipment in no later than XX/XX/XXXX and told me to take it to the XXXX XXXX location and make sure I got a receipt for my equipment. I turned my equipment in on the XXXX and had to wait over an hour and a half to get the receipt. I thought this was settled. Then, out of nowhere, this collection agency listed me under collections with the Credit Bureaus without contacting me in any form before filing. When I received the letter back from IC with a Disconnect Notice, I called IC System and talked to someone who would not tell me if they were XXXX  or a third party, and when I explained to her that I do not owe this debt, then she put me on hold and never came back to the call. First, I dont owe this debt, because I was paid up and turned my equipment in on time. Second, I take my credit very seriously and dont appreciate a collection agency just putting negative collections on my credit without contacting me first.

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 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
XXXX billing : The current bill in not accurate. I canceled the contract and service in XXXX of XXXX. I paid the equipment rental fee for XXXX XXXX XXXXr. XXXX picked up the tank ( without contacting me ) in XX/XX/XXXX. I was not notified of any fees however XXXX XXXX later you sent a bill for {$290.00}. This charge is in error. When I tried to call customer service a representative tried to get me to first pay {$190.00} then he tried to get me to agree to pay {$99.00} and then tried to get me to agree to pay {$80.00}. When I ASKED TO SPEAK TO A MANAGER I WAS PUT ON HOLD FOR XXXX XXXX AND THE LINE WENT DEAD. There is no agreement between XXXX and myself for any termination fees and after over XXXX XXXX of doing business with XXXX this is how you treat your customers. XXXX needs to correct this invoice to show that it is paid in full with {$0.00} balance. I have tried requesting a response online at the XXXX website and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the recent actions taken on my account and to inform you that I will be filing a complaint with the XXXX XXXX XXXX regarding this matter. 

Due to being out of work for six months, I have been making weekly payments to bring my account current. On XX/XX/XXXX and XX/XX/XXXX, {$160.00} was deducted from my moms account ( XXXX  ) under the name XXXX XXXX, as I am an authorized user on this account. Another {$160.00} was deducted on XX/XX/XXXX. However, I recently received a letter from Kohl 's stating that my account has been blocked due to suspected fraud. 

On XX/XX/XXXX, I contacted your customer service and spoke with a supervisor named XXXX ( ID number XXXX ). During our conversation, I was informed that my account was blocked due to non-payment and returned checks. I explained that I have proof of the payments that have been taken from my mom 's bank account, but XXXX insisted that all my payments were canceled and advised me to check with my bank for verification. 

Additionally, I reviewed my Kohl 's statement, which clearly shows the payments made and indicates that I have available credit. This discrepancy makes no sense and adds to my frustration regarding the handling of my account. 

I find it unacceptable that despite my efforts to make weekly payments, my account is in jeopardy of being closed due to an error on your part. I am actively trying to rectify this situation, but I feel that my concerns are not being taken seriously. 

I expect a prompt resolution to this issue and that all my payments will be properly reflected on my account. If this matter is not resolved satisfactorily, I will proceed with filing a complaint with the XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I scheduled a room reservation for XXXX XXXX XXXX ( the motel was originally named XXXX XXXX XXXX, when I made the reservation it was named XXXX XXXX and when it re-opened it is now named XXXX XXXX ) and when I arrived for the stay, the motel was closed for renovation. I was never told this ahead of time. When I received my Discover statement the next month, I had a charge for the motel room, where I was Supposed to have stayed. I immediately contacted XXXX and explained the motel was closed for renovation and I was told by XXXX that it was NOT closed. I was told by my credit card company, per XXXX, that if I could provide a Cancelation notice prior to so many day prior to contacted my Discover card company and explained what happened and they checked into it. This has been going on now for the past year. I ( personally ) never cancelled the reservation, my intent was to stay at the motel. So, by this time the motel had opened back up and I contacted the motel directly and I was told that my reservation had been cancelled XX/XX/XXXX, which was well ahead of the time frame, and they sent me a copy of the cancellation. ( I am not sure who cancelled my reservation, but I was never contacted ). The motel informed me that they never received any funds for my reservation for XXXX XXXX XXXX. I returned to my Credit Card company the cancellation letter, but they still would not allow the return of the funds. I have attempted to contact XXXX numerous times by email, because this is the only way that anyone can possibly reach them. After every email, I receive a response, giving me a case # XXXX ( the last # I received ), stating the case # has been recorded and someone from there team will contact me within 7 days. I have never been contacted by XXXX. As of today I have not been reimbursed the funds, I will never use XXXX again and I advise any one else not to use them either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reporting agency has been reporting false and misleading, inaccurate information, that has caused me severe harm. The injuries sustained has cause a financial burden upon my family and has dropped over 100 points. due to the violations they caused, title 15 1681o ( a ) ( 1 ) shows me EQUIFAX, XXXX, NOR XXXX ; to be acting according to the law they swore to, and are acting outside of their duties, and obligations to make sure that the consumer report has MAXIMUM FAIRNESS, and ACCURACY, title 15 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to notify you urgently that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. Immediate attention is required to rectify these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the prompt removal of the fraudulent items from my report to ensure its accuracy .

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have requested several times in the past almost 2 years to have us bank home mortgage company to report my monthly payment to the credit bureaus after my bankruptcy was discharged in XX/XX/year>.

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