vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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 Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is a name XXXX XXXX that is clearly not me. 

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.

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 2022-07-11 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXX Convergent Outsourcing / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX skippeXXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX There is a name XXXX XXXX that is clearly not me. 

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.

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 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I'm an XXXX citizen having just retired from work in the USA. I'm currently on vacation in the US before I'll be returning back to live in XXXX. I wish to transfer my retirement savings back to my XXXX bank account using an International Foreign Currency broker ; XXXX XXXX XXXX XXXX. I've transferred funds on many occasions using XXXX XXXX XXXX XXXX without concern. The process requires me to lock in at a contract exchange rate and wire the funds through XXXX XXXX XXXX central bank account where they then deposit the funds in my XXXX bank account at the agreed XXXX dollar amount. 

On XX/XX/XXXX, I went to the Chase bank to request a wire transfer from my Chase account to my XXXX account using the services of XXXX XXXX XXXX XXXX. On this occasion, after completing and providing all the necessary requirements the bank confirmed that the wire transfer will proceed. Approximately 30 minutes after leaving the bank I received an email from the bank that the wire transfer would be cancelled. I rang the number on the email and returned back to the bank to resolve the issue. After much communication, the banks only reason for not processing the requested wire transfer is that the 'back office ' will not process the request due to 'security reasons '. 

I am at a complete loss as to what the security risk would be, and Chase bank will not provide any further reasoning. After communicating with XXXX XXXX XXXX XXXX they advised that there is no other method of securing the foreign currency exchange other than wire transfer. 

Your assistance in having this issue resolved would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 11 days 2 FCRA violations : inquires not mine XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022

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 2022-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ON XX/XX/2022 I MAILED A CERTIFIED MAILED WITH TRACKINGNUMBER XXXX RECEIVED XXXX XXXX, SENT A SECOND LETTER XXXX XXXX XXXX XXXX TO CAPITAL ONE BANK. CAPITAL ONE IS STILL REPORTING CHARGE OFF AND UTILIZATION TO THE CONSUMER REPORTING AGENCIES EVEN THEY WERE PUT ON NOTICE. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
15USC 1681S-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS ACCORDING TO THE IRS ANY CANCEL DEBT MUST FILE FORM 1099-C. IRS DEFINES CHARGE OFF AS GROSS OR ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, WHICH IN FACT MAKES CAPITAL ONE REPORTING OF THIS ACCOUNT INACCURATE. 

ANY ILLEGALLY REPORTING THIS EXPERIANCE UTILIZATIONS PURSUANT 15USC 1681 ( a ) 2 ( A ) ( i ) EXCLUSION ( A ) ( I ) VIOLATION The Fair Credit Reporting Act ensures fair and accurate reporting, and it requires users who buy these dossiers to have a LEGALLY PERMISSIBLE purpose. Todays advisory hold responsible any company, or user of credit reports, that violates the permissible purpose provisions of the Fair Credit Reporting Act. Specifically, the advisory opinion makes clear, VIOLATING MY RIGHTS. 

15USC 1681q OBTAINING INFORMATION UNDER FALSE PRETENSES 18USC 1028 FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION CAPITAL ONE BANK IS IN DEFAULT IS WILLFULLY REPORTING THIS INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NY

Complaint narrative:
Experain allowing XXXX to report accounts that are exempt from debt collection to report the collection violating the Exempt Income Protection Act you can not have a collection on a person whom funds are exempt from debt collections reporting the debt is consider that you still have a collecting on exempt funds

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 2022-07-11 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: OH

Complaint narrative:
On XXXX XXXX I received a notification from Transunion to review my credit report. I clicked into the notification and was looking through when I noticed unfamiliar inquiries from companies I never heard of before and isn't on any of my other credit reports. Per the advice of their website I contacted the individuals the inquiries were from to find out they're mortgage companies. I won my home cash since XX/XX/2014 I don't need a mortgage. I asked the respective companies to provide me on how they got my information to which they tried to ask me to verify myself with security questions that I failed. Of course I failed I wasn't the one who applied to set up any questions. They told me to call transunion. I called transunion and told them about my predicament ( granted my voice is bad due to me having XXXX ). The first young lady wasn't listening to anything I was saying and kept muting her phone. I asked for her supervisor and she transferred me to a XXXX XXXX who just kept repeating " call the creditors they're the only ones who can remove it. '' I told him a million times I did and told him what they said. It's ridiculously unfair how Transunion is reporting wrong information on my report and refuses to fox it which goes against my FCRA rights. Transunion is the only bureau reporting this false information on my 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 2022-07-11 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My social security was used to open fraudulent accounts and as an result its showing I owe money for accounts Ive never owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2022 I closed my checking account with Chase bank on the phone via their customer support and was informed that a check would be issued for my remaining account balance of {$720.00}. 

On XX/XX/2022 I received a statement from Chase bank for the closed account ; the statement showed that the account had been closed on XX/XX/XXXX and that a check had been issued for the remaining balance of {$720.00}. 

Starting XX/XX/2022 - I have spent over 6 hours on the phone with Chase customer support as well as 1.5 hours at a physical Chase branch location trying to have a new check issued. 

Their customer support representative told me that while their records indicate a check had been issued, no check number or dollar amount is available. Each time I call the customer support line, I am transferred between the same 3 - 4 departments until I am either hung up on or transferred back to the main customer support switchboard. 

I have not been informed of any path to resolution apart from being informed that they are " investigating the issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Due to problems during the transfer of my mortgage from XXXX XXXX to Mr Cooper I have suffered impacts to my credit. They also failed to maintain payments on my home insurance which is in danger of being canceled. 

Mr Cooper needs to do a better job coordinating the transfer of mortgages from other lenders, and should institute some sort of manual process to review cases before issuing notice to credit bureau. 

Very unhappy customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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