vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2022 me and my partner received an email alert that there was a fraud transaction of {$1000.00} at XXXX from our business account. Then XXXX minutes later we received an email that a wire transfer was sent from our account. We were working at that time and none of us have ever done a wire transfer and did not authorize anything. We looked at our account right after we got the alert and our entire account was wiped out. A total of {$29000.00} was wired to a XXXX  XXXX account. We called Chase Bank immediately and told them that there was a wire fraud on our account and to put a stop on it and do something because that was not us. All chase told us was that they were going to send papers in the mail for us to fill out and that is it. We waited two weeks and nothing came in so we called and called and someone finally said that we can get the papers at a local branch. They never told us that from the beginning. So we filed the police report and filled out the affidavit. Our claim got denied before we even sent in any documents and they never notified us. Then we waited another week and I called and it got denied again. They said they had recordings of me authorizing the wire and that I benefited from it. That never happened I never called no one or was on the phone with chase. Now our entire account is wiped and they are saying there's nothing else we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was recently applying to purchase a home through the XXXX  XXXX XXXX XXXX  XXXX. When I filled out the application and went for approval I was told there were some things I needed to clear up before the purchase. One, in particular, was from a rental property I used to stay at a couple of years ago. XXXX XXXX well since they were increasing rent I decided I was going to move. So, I told the landlord that once my lease is up I will no longer be staying here and I will NOT be signing another lease. When the month came and my lease was up I moved. There is no way I broke my lease nor was I evicted or abandoned my place of residence. I had a verbal agreement that I would not sign another lease and I would be moving. Now not only did XXXX XXXX charge me a whole year 's worth of rent ( {$12000.00} ) or ( {$12000.00} ) or $ ( XXXX ) that reporting to the XXXX XXXX that was sold to Hunter Warfield debt collection company as a collection of bad debt and they have in turn ruined my credit score by placing this erroneous debt that I do not legally owe on my consumer report. I'm a natural person and I have never entered into any written or verbal agreement with Hunter Warfield allowing them to charge me a debt or place any information on my consumer report. Can you assist with this matter? as me and my family would like to be able to purchase our 1st home this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: SC

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 # XXXX Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: EQUIFAX, INC.
State: CA

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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
{$640.00} was grew to owed due to a persons opening a line of credit. Therefore the account went delinquent and was closed. 
[ CitizensOne ] Rhode Island.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different XXXX removal dates within a 2 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunion results has verified this account as accurate. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this one account are INCOMPLETE but transunion has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this one account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-01-05 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: FL

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 XXXX XXXX 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 XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX 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 2023-01-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
After performing a minor audit I realized that on XX/XX/XXXX I was charged {$9700.00} by XXXX XXXX XXXX On XX/XX/XXXX I reached out to Barclays credit card to file a fraudulent claim with them for this fraud. After two weeks I received a letter from Barclay credit card stating that this was not a fraud. I then proceeded to call them again to refile my claim and was told that it was denied because Barclay credit card fraud department was unable to reach the merchant ( XXXX XXXX  ) and because my account is in good standing this must not be a fraud, and that I should call them directly and ask them for a refund. As I explained to them when I originally filed my claim I have reached out to the merchant numerous times and I'm unable to reach anyone. I don't understand if the bank can't reach the merchant. How do they expect me to? When I explained this they told me there is nothing they can do for me to call the merchant. I am a senior citizen and don't always stay on top of my finances so I didn't catch this earlier. I am now staying more aware of my accounts but as a customer for this credit card I find it hard to believe they are protecting the Merchant and not their customers.

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 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: DE

Complaint narrative:
Hello, I am so upset because I've done the hard work to get my credit score up and to utilize below 30 % of any of my cards, which is all o but one is XXXX  balance. I am very proud of myself! 
I received a letter about debt from DRS  ( I had never heard of them ) opened up the letter, and it stated I had a debt of over {$1800.00}, and if I did not respond by XX/XX/29, then it's assumed it was my debt. I called them and had to call back because I did not have the letter with me, but once I did, they had all of my information, old address, SS #, and my cell # from a check and go, which I have never sought any loan or money from ever! 

Instead of them waiting to see if it was me, they contacted all ( 3 ) credit bureaus, and I submitted disputes for two of them. today, XXXX stated that this would remain on my file due to DRS  having all my information, which this is not mine... I also had an entire criminal investigation. done by my new landlord because I had XXXX XXXX until my name and it was clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 XXXX XXXX 

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 2023-01-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.

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 2023-01-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX, bankvibemobile or bankmobilevibe.com are all three problems with my XXXX  account, linked through the XXXX XXXX. The checking account associated with my loan and other disbursements which go through a student number assigned at the college is being tampered with or the money is being kept before it is disbursed to my account. All selections which are chosen for where the money each term goes are made by logging in to the XXXX XXXX XXXX  website at bankmobilevibe.com these payments, credits, and disbursements which I have been receiving are no longer being disbursed to me at all. The money is no going to my personal bank account which was entered as a selection for the choice where to have money transferred to, a bank outside of XXXXXXXX XXXX XXXX  and it is not going to an account assigned to my name/ssn at XXXX XXXX XXXX In the last 30 days, there has been {$640.00} in money from student account disbursement and another {$100.00} credit which was issued and the money has not gone to me at all. There was no check disbused to my name and there are no funds available to me from this disbursement or the credit to my account at bankmobile, a service of XXXXXXXX XXXX XXXX  The bank also has no resolution to the problem and is saying that they aren't responsible.

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 2023-01-05 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: EQUIFAX, INC.
State: FL

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 XXXX XXXXXXXX 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 XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Thaxton Investment Corporation
State: OK

Complaint narrative:
I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with Covington Credit dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the XXXX XXXX XXXX XXXX XXXX XXXX to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for Covington. 

I received a statement from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX stating they purchased the debt from Covington yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my XXXX XXXX to drop by XXXX points along with it now looking like I have XXXX separate loans that are outstanding when it's the same loan. 

Covington Credit should never have sold this debt to XXXX XXXX XXXX XXXX XXXX since they had never contacted me plus it's now past the 5 year Oklahoma XXXX XXXX XXXX to attempt to collect a debt. Both companies are at fault but due to XXXX XXXX XXXX XXXX XXXX purchasing it, it's now up to them to correct it according to XXXX XXXX  along with the FDCPA - Oklahoma Debt Collection Law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NJ

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