vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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: Uplift, Inc
State: MN

Complaint narrative:
And this is why This dispute comment takes the account out of being factored into the XXXX XXXX, so if an account with a negative history gets its dispute remark removed, then the XXXX XXXX may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on XXXX and uplift I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Marcadis Singer PA
State: FL

Complaint narrative:
Marcadis Singer PA is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Marcadis Singer PA is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: PA

Complaint narrative:
TransUnion is the only credit reporting agency that didnt honor my report with the FTC and police report. These Identity theft accounts that remain still open on my TransUnion report. TransUnion was the only reporting agency that didnt remove the fraudulent, Identity thief accounts on my report. Can you please help me in this matter these accounts obtained are Unfortunately harming my livelihood.

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 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was targeted with a XXXX to upgrade my current credit card. XXXX had no information and no disclaimer than an annual fee would be associated with the new card. I accepted the offer and shortly after received an e mail advising they inadvertently didnt include the annual fee on the advertisement and if I was charged it would be waived. I was billed for an annual fee.. Ive called over 15 times and was just told to wait for reimbursement per the e mail. I didnt want it to report to by credit so I paid but only after also assessing a late fee on the annual fee balance. I was told Id receive both back only I never did. Most recently I called and spoke to a XXXX who refused to transfer me to anyone above her. She advised there was nothing they could do and they had no idea why I received the e mail advised my annual fee would be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX  XXXX Account # beginning with XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  Account # ending in XXXX XXXX Card Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX  XXXX XXXX  Account # beginning with XXXX XXXX XXXX Account # beginning with XXXX XXXX5 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. I did not give them 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Hello, my name is XXXX XXXX. This complaint is in response to an account your company is furnishing to my credit report. Your company is furnishing a bankruptcy to my consumer report INACCURATELY. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. Furthermore, I have attached a letter from the bankruptcy court stating they do not share or verify information with anyone. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: OH

Complaint narrative:
To Whom It May Concern I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX ( XXXX XXXX XXXX ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter

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 2022-12-31 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: MN

Complaint narrative:
And this is why This dispute comment takes the account out of being factored into the credit score, so if an account with a negative history gets its dispute remark removed, then the credit score may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on Equifax and XXXX  I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: NY

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX 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 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance to the Fair Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681C ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anti dates 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 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Transunion is reporting inaccurate information on XXXX XXXX XXXX Accounts # XXXX and Account # XXXX. Inaccurate information they are reporting are reporting open status when in fact they are closed and paid. They are also reporting inaccurate information on accounts balances. Transunion is in violation of FCRA. I have sent certified letters that served as a formal debt validation request. Transunion has continued in non-compliance ; the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance Fair Credit Reporting Act 623 ( a ) ( 3 ).

FCRA Section 609 ( a ) ( 1 ) ( a ) FCRA 611 ( a ) ( 7 )

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 2022-12-31 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: EQUIFAX, INC.
State: WV

Complaint narrative:
XX/XX/XXXX : Filed dispute through Equifax due to a credit card balance and credit limit being reported incorrectly. Equifax specifically states that a dispute will not lower your credit score. 
XX/XX/XXXX : Equifax notifies me that investigation of dispute is complete and report is available. Result of report is in my favor, lowering the credit card balance and increasing the credit limit. Both being positive credit actions. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX to XXXX with the reasons of " credit card limit increased by {$400.00} '', " credit card balance decreased by {$700.00} '', " payments made on time '', " account information changed ''. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX with no additional reasoning. This takes my credit rating from the " XXXX  '' down to the " XXXX  '' tier. 
XX/XX/XXXX : I call Equifax and inquire about my score being decreased a total of XXXX points immediately after a dispute being completed and the reasoning being the direct results of the completed dispute. The Equifax agent stated " Disputes will not lower or have a negative impact on your credit score. There must be another reason. '' I quoted the reasoning shown and agreed that it should not have had a negative impact. I also stated that it should have increased my score. I advised the agent that I am preparing to make a large purchase in XXXX of XXXX and that this unjust score decrease will cost me thousands of dollars in extra interest over the length of the loan. I advised the agent that this unjust score decrease will cause me financial loss and damages. I also informed the agent that this appears to be a direct and retaliatory action by Equifax in result of my dispute. Furthermore, I advised the agent that my scores with the other 2 credit bureaus have either remained the same or increased, supporting my suspicion that Equifax is taking retaliatory actions against me over my dispute. The Equifax agent filed a complaint including all of this information. I advised the agent I would be filing a complaint with the CFPB, and if Equifax did not restore my credit score and credit tier before I make my major purchase in XX/XX/XXXX that I will take legal action after incurring financial loss and damages that they were warned of and given ample opportunity to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
As consumer and natural person, was denied when I applied for checking account by CHASE BANK, on XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C XXXX CHASE BANK, are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CHASE BANK,. due to the response I received. CHASE BANK, is in violation of 15 U.S.C Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but account was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of CHASE BANK. I, the " consumer '', '' principal ', " surety '' '' beneficiary '' of the application. The application should've been approved.CHASE BANK also monetized the application. Which is FDIC insured $ XXXX. CHASE BANK is in multiple violations.15 U.S. Code 1602 ( i ) in regards to using my SSN which is a credit card. The application that was filed is also being securitized and proceeds have been made without my knowledge. 15 usc 1601 ( TILA ) Credit 15 usc 1692 ( FDCPA ) -Debt 15 usc 1681 ( FCRA ) -Consumer reporting/reporting/reports. 15 usc 1691 Equal Credit Opportunity Act Aka Discrimination from your creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2022, my friend and I attempted a third party mobile deposit in her name through me. The mobile deposit was not going to be available until XX/XX/XXXX. The next morning on the XXXX, I noticed that my transactions were declining and I called the bank. The bank stated that my account was restricted and they needed my friend and I to go into a branch and present XXXX forms of identification and her authorization for the deposit. My friend nor I, have a car so we were not able to get to the bank until that Wednesday the XXXX. When we went into the branch in XXXX, MO. Located at XXXX E. XXXX XXXX. XXXX, MO. XXXX XXXX, we presented the man out XXXX forms of identification and she gave acknowledgement to the consent of the mobile deposit. The man called and informed the XXXX of all that was going on. While on the phone he informed me that Chase was closing my account. I asked if he could see my deposit from my XXXX? And he said yes and showed me. I asked how do I get my money? He said they will be mailing it to you. I asked did he know when they sent it out and he said today. The following day XXXX looking through my account and I see my XXXX deposit in there and XXXX cant access my funds. I start calling the banks and they said they hadnt lifted the restrictions because the check had not returned yet. I said, so you all have not even actually began the process of sending me my check and I was told no, and I asked so what am I supposed to do? I cant even leave my house now because I have no money. My rent is due, the money was going towards my down payment for my car and I was to let my boss know when I got my car so I could give him a date of exactly that I would be reporting back to work. I have talked to so many people. I called the branch back and was told to come in and they would look AGAIN and I can not even get a ride there. I have now at this very moment been on the phone with a woman by the name of XXXX she is a XXXX XXXX XXXXXXXX and she told me I have to go back into a branch with my friend and verify identification and I told her we already did that and she said it doesnt say I did. Like what?? I have now been on hold for a hour and a half for a XXXX so I can tell my story to now for the hundredth time. I did all they asked of me. I even asked could they unrestrict it while on the phone with me so I could just upload my funds to XXXX XXXX  so I could have access to my money and she said no. XXXX so frustrated! Yes, there is rules and procedures but when XXXX is following them why arent we upholding to those exact guidelines. I am at a loss and so XXXX, this is mind boggling to me they can hold my money like this. I need some help please! And even after my situation is handled and my account is fully closed, I still want Chase to be held accountable for not upholding their very own policies and regulations when it comes to their customers.

Company response to consumer: Closed with explanation