vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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 the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX. Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX 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 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines XXXX XXXX XXXXXXXX XXXX the number on the credit card was stolen I was notified by XXXX of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then XXXX stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with XXXX and XXXX XXXX Blitt PC and I'm caught XXXX XXXX middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these XXXX  right now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022, I was looking at my Chase app on my phone and noticed that the purchases XXXX was different from the last time I checked. That rate had increased unexpectedly, and I know that that rate was also higher than what I had previously known. I looked through all of my emails from Chase and failed to find any kind of notice that my interest rate was changing. 

On XX/XX/2022, I reached out to Chase customer support to ask why the rate had increased without the XXXX advance notice and was told they could not explain why I never received it. They ensured that I was properly set up to receive all notices from Chase and they were unsure why I had not for this particular instance. 

I was transferred to a supervisor because I was asking to understand why this happened and if there was anything they could do to remedy the situation. The supervisor then went on to explain that the XXXX is variable and tied to the prime rate, which according to them " changes daily, '' meaning Chase would never be able to give a XXXX advance notice, nor do they need to, and there was nothing they could do about it. When I asked the supervisor to expand on that, letting them know that I understood that the prime rate only changes if the Fed decides to when they meet every XXXX, they rephrased their statement from changing daily to changing from time-to-time. 

I explained to the supervisor that I had a good understanding of how rates work and that it is my right to receive a XXXX advance notice of any interest rate changes. I told them that I was not interested in being told misinformation and that I understand banks do whatever they can to make more money, but that Chase should have the digital infrastructure to keep up with these notices that they are required to issue. The supervisor was unhelpful and uncooperative with the situation ; all I was asking for was to understand why I didn't receive the notice I have a right to, and what can be done to remedy the situation. 

For reference, my interest rate at some point in 2022 was 23.99 % and has since been increased to 25.99 % and subsequently to 26.74 %. I utilize multiple Chase products and it seems like they will do anything to treat their customers unfairly and take advantage of the fact that people XXXX not notice these things and know that nothing will done to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NJ

Complaint narrative:
On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.

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 2022-11-10 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: NJ

Complaint narrative:
On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.

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 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My auto insurance with XXXX XXXX ended when I sold my car back in XXXX of XXXX as it was undrivable after I was hit in an accident. I called and informed XXXX XXXX and they continued to bill me thereafter. I bought a new car on XX/XX/XXXX, in which I acquired XXXX XXXX. My insurance premium was paid up to date with XXXX prior to cancelling with them. XXXX XXXX has unlawfully put me into collections for {$260.00} in which is the amount for 2 months after I sold my old car and informed them. I disputed this through XXXX XXXX and they never removed it. 

Please assist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY 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 GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXccount Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX  XXXX bankruptcy dismissed Reference 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 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Did not give consent for more than one hard inquiry. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian Did not give consent for hard inquiry. 
XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX Experian Did not give consent for hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Hello, I was harassed everyday by this company. They have bad reviews on the XXXX and their rating is a 1.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 
This was breached!! 

I was harassed day and night by this creditor 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was violated!!! I was stressed out and scared of what they would do to me in court and too my credit! 

This debt was paid already to which i am not legally obligated to this debt. They bought the loan from Avant which means the debt was paid for. 
This a violation of Title 15 USC!!

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 This was violated!!!

The law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend on pursuing litigation in this matter suing XXXXXXXX XXXX XXXX for actual damages sustained. 

I am the consumer which means if these laws are violated that is {$1000.00} per violation which equals {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: FL

Complaint narrative:
XXXX XXXX : {$1500.00} I declare under the penalty of perjury ( under the law of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection/Chargeoff found within my credit report are punishable as perjury under. This collection/chargeoff found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2022-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Financial LLC
State: NJ

Complaint narrative:
I have received four phone calls today l, two within the same hour, all of which state they are from XXXX XXXX in regards to a loan til payday loan. I have asked them to stop calling each time. I told them they are harassing me. The most recent call I asked for their contact information and they said they don't have to provide that. I said I will be filing a harassment case and they said good luck with that and hung up on me. This agents name was XXXX XXXX, I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
I am trying to close my Optum XXXX account and transfer funds to my XXXX HSA. In XX/XX/XXXX, I submitted a " transfer of assets '' form to Optum to close the account and transfer funds to my XXXX XXXX. In early XXXX, I called to check on the status and was told that I needed to liquidate the investments in the Optum account. On XX/XX/XXXX, I liquidated the investments. I called Optum in XXXX XXXX and was told that the transfer was in progress. The money disappeared from the Optum account and I was told that a check had been sent to XXXX and should take XXXX days to reach XXXX. XXXX never received the check and Optum told me I needed to wait XXXX weeks. After over XXXX weeks, money was still missing. On XX/XX/XXXX, Optum cancelled the original transfer ( they said they canceled the check ) and the money was deposited back into my Optum XXXX cash account with the expectation that they would attempt again to transfer the money to XXXX. On XX/XX/XXXX, Optum reinvested the money without my permission. I was not notified and did not know about the reinvestment. On XX/XX/XXXX, I had a conference call with Optum and XXXX so that XXXX could provide the information needed to wire the funds. On XX/XX/XXXX, after calling Optum, I was told they could not transfer because the money was invested. I liquidated the investment again after losing {$2400.00} from the amount that was supposed to be transferred to XXXX in XXXX. I called Optum again XX/XX/XXXX and found that they still have not initiated the transfer. They have not credited the {$2400.00}. They keep giving me case numbers but when I ask about previous case numbers, cases have been closed with no resolution. In XX/XX/XXXX, I requested the transfer of {$61000.00}, but to date they are still holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY 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 GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY 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 GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm attaching a copy of a Transunion Credit Report which contains multiple inaccuracies and errors for several accounts that were never mine in the first place. 
XXXX XXXX XXXX # XXXX shows 30 days late payments XXXX and XXXX. It is impossible to be 30 days late 2 consecutive months. 
XXXX XXXX XXXX # XXXX states last payment received XXXX in the amount of {$540.00} but has an X for unknown in the payment history for XXXX?? 
XXXX XXXX # XXXX XXXX XXXX XXXX received XXXX for {$100.00} yet the payment history shows current for XX/XX/2022?? 
This is egregious and definitely continues to violate my consumer rights under the Fair Credit Reporting Act

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 2022-11-10 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX, I paid them regularly until XX/XX/XXXX when the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, both my insurance company, and the XXXX XXXX XXXX in GA told XXXX to report it as a total loss. This company XXXX XXXX has not reported to the credit bureaus correctly, there are no payments showing that I made, and it also states that in XXXX years of owing this car I only made XXXX dollars ' worth of payments. This company XXXX XXXX has been involved in several lawsuits including XXXX where they owe over XXXX XXXX dollars. I joined the lawsuit but because I don't reside in that state, I wasn't allotted any funds, but in the lawsuit, it states that the vehicles under XXXX XXXX  are to be deleted from all three credit bureaus, which has not been done yet. As of now the DOJ is serving XXXX XXXX with a subpoena. I can't count how many times that I have disputed them with all three credit bureaus under the Fair Credit Report Act, they don't answer by mail, and when you call them, they are the rudest inconsiderate customer service ever!!! I have even written to my Attorney General located in Kentucky

Company response to consumer: Closed with explanation