vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from 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 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I received a XXXX XXXX XXXX XXXX from a family member who originally purchased the car from XXXX and financed it with XXXX XXXX XXXX XXXX. When I received the car in XXXX, the loan was paid off and had been paid off for more than XXXX  years. However, when I went to transfer the title to my name, XXXX XXXX XXXX XXXX was still listed as a lien holder. The XXXX XXXX was never provided any information about the payoff from XXXX and as such, provided me with the title that still includes XXXX XXXX XXXX XXXX as a lien holder. Ive reached out several times by phone and email and have not received a response from XXXX XXXX XXXX XXXX and now because of this lien on the title I am having a hard time trying to sell this vehicle to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: EQUIFAX, INC.
State: FL

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

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 non-monetary relief
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
My information was sold and bought illegally besarse i was a victim of the Equifax data breach. I want these items delected from my Credit reports efectivo immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these ilegal accounts from my Credit reporte. List all those negativo accounts from your Equifax Credit reports. Account names and account numbers and file complant with the CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NV

Complaint narrative:
Credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Vertical Screen
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: EQUIFAX, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I asked MOHELA my lender more about my missed payments on my 2 student loans why it keeps changing and why or if they can remove the missed payment from my credit report now that I pay on time payments and have for months I need them removed from credit.

So I received a disclosure statement saying they would relieve me for a give me disbursement for on 1 of my 2 loans both from MOHELA both unsubsidized loans from XX/XX/XXXX to XX/XX/XXXX {$1700.00} on the loan of XXXX and {$990.00} on my second loan for XXXX for dates XX/XX/XXXX to XX/XX/XXXX. Tried to message them to at least see about removing missed payments on my credit report and got no response and also am wondering why I was never granted the disbursement for the loans as well? I have screenshots and pictures as proof as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX. Made a wire transfer to XXXX XXXX address XXXX XXXX XXXX XXXX. 
Bank Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$8000.00} from Chase Manhattan Bank checking account in the amount of {$8000.00}. 
Within XXXX minutes of the transaction, called to recall the wire from Chase Bank as the beneficiary said the account was closed. 
The bank said the transaction was completed and can not be recalled. 
This is fraud. It is impossible that Chase already transferred the fund to an international account right away. 
Now a case was opened. XXXX and Chase claimed the money was at the XXXX XXXX and refused the recall transaction and kept the money.

Please refund {$8000.00} back to the account.

This is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I flew on an XXXX XXXX flight in XXXX. Since, there has been an account opened with my information that I did not authorize or even know about until I got an email saying I owed monery and a late fee. The card was through a company called Barclay, XXXX card # XXXX. I do not have the card and never applied for the card. Now it is on my credit report. I talked to someone from Barclays, ( not sure if it was really them or scammers ) they said they would close the account and refund the fees. I have not received a confirmation email and I am very worried that they have all my info. They have my address, phone and social security number and birthdate. I worried they will do something with my personal info.

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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Applied for a Chase XXXX credit card from the XXXX website in late XX/XX/year>. Offer was for XXXX XXXX points if spend {$3000.00} or more in first XXXX  months of opening account. Was only given XXXX points XXXX points and was told my offer was for XXXX and {$100.00} after {$1000.00} spent in XXXX  months. XXXX nor Chase has an offer like this that they advertised. Chase never informed me they changed the offer I applied for. There is also a {$99.00} annual fee for this card that I have already paid. Would have never applied for this card and paid {$99.00} for this offer that Chase has substituted for what I applied for. This is an obvious bait and switch by Chase and XXXX. All I want is what I was promised in the offer. Nothing more or less. Note the offer screen shot in the attachments is addressed to me by name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The XXXX XXXX IRS Agent is delaying to update my personal legal name change for IRS XXXX account ( XXXX XXXX ) for my Sole Proprietor Business : XXXX XXXX XXXX XXXX XXXX which I had opened in XX/XX/XXXX and received acknowledgment on XX/XX/XXXX by IRS notice, see attached. 

As instructed by the IRS, Sole Proprietor business must issue a notarized letter of request and supply supporting documentation to update legal owner personal name. I sent my letter on XX/XX/XXXX. The notary I used for my signature is an employee of Chase Bank in XXXX NY. I included in my letter to the IRS a copy of my updated XXXX Notice, Social Security Card and XXXX Driver license. The JP Morgan IRS Agent received my letter on XX/XX/XXXX by signing my USPS return receipt form XXXX XXXX which shows the signature stamp JP Morgan Agent for Internal Revenue Service.

The delay in issuance of the updated XXXX is preventing me from opening a bank account and conducting any business under my legal owner name and will cause me a problem in filing my XXXX  1040. There is no excuse for the JP Morgan Agent to delay or refuse to issue me the updated XXXX. Did the JP Morgan Agent loose my notarized letter? 

The updated XXXX notice for my sole proprietor business XXXX number XXXX legal name should be printed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Make sure not to mis-spell my name, leave out any letters, add spaces in between letters, and create any wilful grammatical mistake or omission with my information to create a mis match of my personal SS information with my XXXX to impede me from conducting legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia debt management and or Genesis credit management is a collection agency representing a creditor that committed a breach of contract agreement. A part of the requirement to pursue was to contact Code enforcement of the City. An officer responded to my request made for mistreatment and in habital conditions. He stated this matter would need to be settled in court. Columbia debt management and or Genesis credit management assumed debt owed in XX/XX/XXXX. I called Genesis Credit Management in XXXX stated to them I have and would be pursuiting legal rights for this matter. Furthermore, I discuss that this agreement between landlord and tenant came as a failure to meet owner duties in maintenance and safety for health conditions for the place I reside in. The statues of law are within limitations for me to recover for punitive damages. I stood in front of a judge in XXXX XXXX XXXX magistrate court and was told that the original entity requesting debt owed wasn't the entity to bring in this matter of justice. The original creditor or entity is doing business as the sister company to XXXX property management, who is the parent company. The matter was never brought to court for eviction for due process. stance does not meet FCRA and FDCPA. As of XX/XX/XXXX, Collection agency is aware that I can bring legal action against them for abusive and harm tactics on my credit report. Below are some of the documentation working towards legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
Good day, My names are XXXX XXXX XXXX.I am resident in XXXX but have a Wells Fargo account I opened in XXXX  when I visited XXXX then. 

Well Fargo blocked by account when I asked my cousin to transfer funds on my behalf to his own account sometime in XXXX.Both accounts where frozen when he initiated {$1000.00} transfer to his own account ( Mind you I used his phone number when I opened the account and even asked them if it was possible to add him as a signatory then but this was declined ) ..They unfroze his own account and left mine frozen insisting I had to come to the bank physically.To get XXXX  to the XXXX now is a huge deal as waiting times last XXXX years or more in XXXX.I just can not visit the XXXX for now. 

The issue now is I saved this money for a rainy day when I have emergencies.I can not pay rent back home now as I have a huge financial crisis that came up due to some unforeseen expenses and I need my money ( Just XXXX XXXX {$2000.00} of the amount I saved there to meet urgent needs.They never contacted me even after I called severally using XXXX and when I was still on XXXX ( Now deleted ) .I need your intervention on this even if I have to go and drop my credentials with XXXX XXXX  to prove I am the owner of this account.The situation is really bad and I have this money somewhere and being denied access.

Please 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: OK

Complaint narrative:
In XXXX, I had a major XXXX, was off work for XXXX  XXXX, missed my {$30.00} payment. They allowed a transaction to go thru that was over the limit for {$110.00}. This created a landslide of over the limit fees, late fees, merchandise fees, Ballooning the minimum payment. In XXXX  I contacted prosper  to ask if they had a program to help since it was a medical situation that contributed. I was told I didnt qualify. I asked for the card to be shut down and fees stopped so I could pay it off and be done with it, again refused. The minimum payment is now {$810.00} on a card with a {$700.00} limit. There is absolutely no way to get a handle on this card when they are increasing the payment at this rate. I want the card shut down so the fees will stop and I can get it paid off. I do not want this account or their business.

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 2024-01-20 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: Experian Information Solutions Inc.
State: TX

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 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 2024-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
This account is marked as a charge off which mean this debt was paid. The company tried to pretend that this account was still active and i found out that they sold the debt. This is on my credit report stopping me from getting a new car. The vehicle was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
See comments in previous page.

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX XXXX charged me 3 times for the same transaction. Their machine was denying charges due to internal system error. When I checked my account all XXXX transactions posted. I have contacted the bank, Chase, who did give me a temporary credit and I contacted the owner of the marathon station who contacted marathon directly twice to get me refunded. Both times they said they could see the denied charges but money was taken and I would be refunded in XXXX days, both times this did not happen. I contacted marathon myself who stated money was sent over on XXXX yet still nothing. Bank is now taking away the credit, Chase has not helped me resolve this issue at all, marathon is obviously not doing right by me, the consumer. XXXX charges of XXXX for nothing at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: EQUIFAX, 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.

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 non-monetary relief