vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have 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

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 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I have wired money from my bank ( XXXX XXXX  ) to XXXX. I wired {$500.00} and paid {$50.00} fee for that transaction. 
See attached first file for the record of that wire. 
On XX/XX/2022 I have wired money, second time, to the same bank in XXXX. This time I sent {$650.00} and paid another {$50.00} fee. 
See attached second file for the record of that second transaction. 
Then I received my monthly bank statement for XXXX. On it was a deposit from an unknown source for {$430.00}. Deposit was made on XX/XX/2022. The only description of that transaction was : XXXX XXXX XXXXXXXX. 
See attached third file. 
I filed a complaint with my bank about deposit from this unknown source. 
After an investigation, my XXXX XXXX  had informed me that, while XXXX XXXX  did send my wire through, an intermediate company had refused to forward my wire to XXXX. Rejection of my XX/XX/XXXX wire was made by J.P.Morgan Chase. {$430.00} deposit was J.P.Morgan Chase 's idea of a refund for the {$500.00} I had sent.

My bank had informed me to expect similar rejection of my second wire. 
I have now received my XXXX statement from my bank and, as I was told to expect, there is a deposit of {$580.00} made on XX/XX/2022, by an unknown source, with the only description of a transaction : XXXX XXXX XXXXXXXX. So, on this second transaction I have sent {$650.00}, but got back {$580.00}. 
See attached fourth file. 
The result of these 2 transactions : I have sent {$1100.00} to XXXX, but JP Morgan Chase has robbed my beneficiary of these {$1100.00} and put {$130.00} of that money in its pocket! 
The manager at my branch in XXXX XXXX  had informed me that they moved my initial complaint higher up and gave me the person higher up in XXXX XXXX  to get all the information that XXXX XXXX  has received. 
That person 's name is XXXX XXXX. His phone number is XXXX. 
He said he was not allowed to provide any documentation, but he did read me the statement he received from J.P.Morgan Chase.

Statement he read was : " Unable to execute due to internal policy. No OSAC  reporting made ''. 
( I am not sure if it was OSAC or OFAC report that was not made ). 

JP Morgan Chase is illegally robbing beneficiaries in XXXX and stealing senders money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent Equifax a letter via certified mail asking them to investigate and delete the following accounts due to multiple inaccuracies. In the letter I sent each inaccuracy was explained in detail. Enclosed in the letter I sent them was copies of my credit reports with all of the inaccuracies highlighted and circled. Today XX/XX/2022 I received their response in the mail. Instead them honoring my request they are requesting more information for proof of my identity which they already have. 

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. 

XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number 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 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 2019

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have 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

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act Amerassist account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX CT TN XXXX account # XXXX, XXXX XXXX Bank account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX account XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For months of XXXX XXXX and XXXX the mortgage company said that I was late on payments but, I have sent proof and complaints dozens of times proving that I had never missed a payment.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

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. 
XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XXXX I called the cardmember services for the XXXX XXXX XXXX XXXX XXXX having just received in the mail the lasted statement. On the statement was a late fee of XXXX. I had made a recent payment of XXXX which is on the same statement. Previously, I had received on XXXX or XXXX XXXX. A payment late notice. Yes I had forgotten to make the payment due on XXXX. So, I immediately upon the notice phoned in the XXXX payment. Oddly it did not post until the XXXX. So, here we have a bank company that charges a late fee moments after the due date without any other consideration. I am remarkably unhappy about this and want a refund of the XXXX fee.

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 monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. 
XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

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. 
XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I had a XXXX credit score for years and all of a sudden I see a collection report. This is unacceptable. How is it possible for the credit bureaus to add a collection and not inquire the consumer? The collection added hurt my credit score and is not justified! I disputed it with the credit bureaus and they replied within a few days. I was not provided with any supporting evidence. I dont owe the account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureau has violated under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.SXXXX CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. The following accounts U S DEPT OF EDGSLATL Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
RE : AFFIRM I have made numerous attempts to remove this debt credit report. I've submitted a police report, contacted the company, and contacted the credit bureau and the debt is still showing up on my account and I want it removed Please expedite the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # 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.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In accordance with the fair credit reporting act a XXXX account, has violated my rights. 

15USC 1681 Section 602 : States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
At around XX/XX/2022, I received an alert for a change on my credit report. Upon researching this I identified a hard inquiry from XXXX XXXX XXXX I have not applied for anything recently, nor have I ever used XXXX XXXX XXXX  Upon calling the company it was brought to my attention that someone had used my identity to try an open up a credit card account. XXXX XXXX XXXX  directed me to complete a Identity Theft Report available on the Federal Trade Commission website which has directed me to this site to complete this form. Upon completion of this form I will send the necessary documents back to XXXX XXXX XXXX  in order to have this hard inquiry removed 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