vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I got a call from XXXX XXXX, a person impersonating as a Police officer extorted money from me. He told me my XXXX  was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Chase know about this situation and the unauthorized charges but they refused to register the charges as Fraud. 

I have also filed a police complaint with incident # XXXX and # XXXX and below are the transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
Fiserv is a service provider for XXXX XXXX. I have a checking account at XXXX XXXX. I have a separate checking account at another institution called XXXX XXXX XXXX. I am a named account holder on both accounts involved. Using XXXX XXXX  's bill pay system, there were scheduled transfers from the XXXX XXXX XXXX Account, to the XXXX XXXX  account. This was to make paying a mortgage held by XXXX XXXX  easier. On XX/XX/XXXX, I closed the XXXX XXXX  checking account via phone. On XX/XX/XXXX, after the XXXX XXXX  account was closed, Fiserv debited my XXXX XXXX XXXX {$2000.00} to transfer to the now closed bank account at XXXX XXXX. As this account was closed, XXXX XXXX  has no record of this money being transferred, as there was no account to transfer it to. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX who told me to dispute the transaction via their online account management which I subsequently did. The money was posted back to the XXXX XXXX XXXX account as a return on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Fiserv ( and subsequently a letter in the mail, also dated XX/XX/XXXX from Fiserv ) indicating they were attempting to collect on a debt for {$2000.00}. On XX/XX/XXXX I called the listed number on this letter and after explaining the situation that Fiserv did not credit {$2000.00} to my XXXX XXXX  Account ( because the account is closed ), they could not debit {$2000.00} from the XXXX XXXX XXXX account and thus it was disputed. I was continually told by the representative I owe {$2000.00} to Fiserv ( even though Fiserv did not pay this {$2000.00} to anyone, because there was no open account to deposit to ). I was then told that the debt was sent to a collection agency because I refused to pay. They refused to tell me what account the money was supposedly transferred to and offered no further recourse other than to pay or go to collections. I have all the documents indicating that I am the account holder on both ends of this supposed transaction and that no money was ever credited to an account by Fiserv, only debited ( and subsequently disputed ). So I am being sent to collections for a debt that is not owed to anyone, and there is no missing money. I was offered no recourse other than collections by Fiserv, and was notified by their representative of being sent to collection on XX/XX/XXXX, only 10 days after their initial notification via mail/email and only 28 days after they originally attempted to debit the money that they didn't credit anywhere, which is verified by both XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-08-30 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: SC

Complaint narrative:
No company should be reporting anything on my credit profile without my consent to do so. Everything that's being reported is against my approval and has effected me tremendously while doing so and I need to be compensated for it. For every inquiry on my account that has been placed on my account due to FRAUD because I never gave anyone my consent to public expose my private information without just compensation. However A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. and my while credit account is the evidence of the fraud by each credit reporting agencies that will be held accountable for these adverse claims against humanity.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
Harley Davidson of XXXX on XXXX XXXX, had simply forgot to take off my maintenance package for my bike, which was not able to be fixed, because the insurance company refused to pay for the estimate Harley made on a dented motor. 
Harley was charging XXXX, and when XXXX claimed the bike totaled, I was left making payments on a maintenance package for over 6 months. The maintenance package contract was supposed to be labeled as breached, and subsequently terminated, due to the fact that I couldnt get a service for a bike that was no longer in my possession. 
The Harley Davidson company has apologized, and has claimed to strike the maintenance package payments off the record, but I do not see that in my credit report. 

My credit report says that I owe them XXXX dollars, plus interest every month. It also stated that I have been late on my bike payments. These claims are destroying my credibility. 
I can not get a financed a car or a bike, due to their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: VW Credit
State: PR

Complaint narrative:
I am writing in regards to a past account XXXX with VW Credit for a XXXX XXXX XXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from VW Credit to investigate the issue and correct it, in accordance to credit protection during COVID. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to VW Credit at the time. I have evidence of letters sent to VW Credit and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, VW DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with VW, who has been evasive in helping to remove late payments from XX/XX/XXXX to XX/XX/XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I received an alert that a collection was opened on my XXXX report- Between XXXX XXXX, XXXX  and XX/XX/, a new account in collections was added to your report. The collection agency is CREDIT MANAGEMENT LP. The original creditor was XXXX XXXX XXXX. 

I do not know Credit Management LP or XXXX XXXX XXXX and do not owe them any money. As a result of this false collection against me, my credit score has dropped XXXX points. 

From my research Credit Management LP is a known scam organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request to update my late payment account for XX/XX/XXXX. XXXX did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the 1st of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXX was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5. 

Transunion is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

XXXX completed the late dispute on XX/XX/XXXX and no changes were made. I have sent XXXX a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a request to update my late payment account for XX/XX/XXXX. Experian did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the 1st of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXX was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5. 

XXXX is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

Experian completed the late dispute on XX/XX/XXXX and no changes were made. I have sent Experian a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
Initially contacted by American Cordius International LLC ( address follows ) via letter through the USPS dated XX/XX/. They are trying to collect from a XXXX account that is not mine. I have never had a XXXX account nor is the email account referenced is not mine nor ever has been.

I responded to their letter ( see American Cordius International LLC letter dated XXXX XXXX XXXX XXXX that I filled out the bottom of the form and mailed it back to them within seven days. ( see enclosures ) I received another letter from American Cordius International LLC dated XXXX XXXX XXXX with information from XXXX a list of 18 transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me. 

I have sent a letter to both XXXX and American Cordius International LLC requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before. 

I have sent another letter to both American Cordius International LLC and XXXX denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ). 

Your assistance is greatly appreciated to coordinate closure of this issue. 

American Cordius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXX XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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 take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
my flight to get to my family members funeral in Florida was cancelled within several hours of departure time. I had to get help to find an alternate way to get there! One option was calling XXXX XXXX XXXX XXXX. It appeared as an affiliate of XXXX XXXX. They insisted they were XXXX XXXX XXXX XXXX. They ended up charging this addtl XXXX over and above full flight fee paid to XXXX XXXX. I later found out this is a fraud company & they had no viable way to be contacted. I contacted capital one regarding this fraudulent company & this addtl fee. I included detailed dates, timeline, copy of a documents, phone numbers etc. Capital One then CREDITED my account for XXXX. However on XX/XX/23 they reapplied the XXXX charge to my account stating they are closing the case. We were to contact the merchant. But the merchant is no longer in business & I feel they had no right to charge me! ( again XXXX XXXX had received their full payment ) I believe a fair resolution would be for Capital One to honor this XXXX credit as was originally done!

Company response to consumer: Closed with monetary relief