vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
XXXX and Equifax are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am trying to find a job that can cover my remaining financial obligations while still staying in the XXXX XXXX XXXX and was contacted on the XXXX of XXXX about a job offer that I qualified for. I completed an over the phone interview and was told that it was a work from home job that the company would cover the cost of equipment. It turns out it was a scam and I'm now out {$4800.00} and the bank won't help me with financial problems and has even told me they have frozen my accounts and are closing all of my accounts, regardless of whether I wanted to or not. While trying to seek legal actions against the other people involved, due to the fact that I have all of their information, law enforcement has told me " to chock it up as a loss '' and told me it's a learning experience. My life has come to a screeching halt and I have no where to turn.

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 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your help. I have attempted over four times to resolve this matter with Experian via mail and phone. However, the reports are being updating the with the same wrong information. They are now willful and knowing destroying my reputation as a consumer and this needs to be fixed asap. 

DELETE ALL INACCURATTE INFORMATION 1. DELETE the following address XXXX XXXX XXXX, XXXX TX XXXX 2. DELETE the following address XXXX XXXX XXXX XXXX  XXXX Tx XXXX 3. DELETE the following address XXXX XXXX XXXX XXXX XXXX Tx XXXX 4. DELETE the phone numbers are unknown XXXX, XXXX, XXXX 5. DELETE XXXX XXXX XXXX  MEDCIAL INFORMATION is EXCLUDED PER 15 USC 1681 ( 3 ) 6. DELETE XXXX XXXX XXXX This account is closed and there is no balance. I CALLED AND REPORTED THIS TWICE TO YOU AND YOU HAVE FAILED TO FIX THIS. 
7. DELETE- XXXX XXXX XXXX  You DO NOT have permission to furnish this information. My right to privacy is being breached. 
8. DELETE- XXXX  XXXX This account is involved in litigation must be removed. 
9. DELETE- XXXX This account is closed and paid. 
10. DELETE- XXXX XXXX XXXX- This account is closed and paid 11. DELETE- XXXX XXXX you have failed to investigate this, nor did you remove during the dispute process. I do not owe this alleged debt. 
12. DELETE- XXXX XXXX XXXX- False and misleading I do not owe this debt and your comments are false and misleading.

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 2022-03-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
Experian and XXXX are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I had received a letter saying that I have a debt from XXXX XXXX saying that I owe money, when I dont live in the places that XXXX XXXX services to and I dont have any phone bills or bills in general with them. I live in california and the only bill under my name that I pay for currently is my only credit card bill ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I used the car lot to purchase a truck but was unhappy with the deal. Went back later and they pulled my credit without asking me to find the payoff value of my car because I would not give it to them. They ran my credit based on a text message that stated " show me your numbers '' and they ran my credit. I didn't sign any paperwork or agree to give them any information, they used previous info and ran it again and though several banks.

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 2022-03-21 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-21 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: GreenSky, LLC
State: NJ

Complaint narrative:
I have a loan with my son as co-signer with Greensky. My son and his wife filed for Bankruptcy in 2017. Since then, my son has continued to always pay the Greensky loan as agreed since I was still responsible for it. He has never missed a payment. Further, most recently my son paid two large payments of $ 10,000+ to pay up the loan quicker than expected ( loan is a 15 year or so loan and is almost paid in full short of 5 years ).

I received an alert that my credit score went down due to delinquency. When I received my credit report, Greensky reported me as delinquent and charged off the loan. This should not have happened as due to the Fair Credit Reporting Act, my accounts in good standing should be reported as such.

My son contacted Greensky to tell them this, and they told him that due to the bankruptcy, they were following procedure. My son told them that they could not do that to me since I did not file bankruptcy only he and his wife did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one quick to report negatives like being over the limit but extremely low on posting updated payment causing lowering of credit score ... .in my opinion deliberate scammers!!! And you do nothing about it. Join the club.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: AZ

Complaint narrative:
I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or 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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
CFPB Team, Hunter Warfield has attempted to collect an invalidated debt stated as {$620.00}, reporting to all 3 credit boroughs, and in violation of FDCPA regulations in multiple actions. 

Personal actions : - XX/XX/2020, debt was disputed on the same date as received from Hunter Warfield. 
- XX/XX/2020, a certified letter was sent to Hunter Warfield, again disputing the stated debt, and requesting that communication be only received via letter.

Hunter Warfield ( company ) actions in perceived violations of FDCPA : - Stated debt was never validated, via any communication method. 
- Attempted an email on XX/XX/2020, which required an acknowledgement of ownership and accuracy of debt in order to see any information. 
- Ignored a certified letter request to communicate only via letter, emailing repeatedly. 
- Attempts to collect amounts greater than originally stated ( {$660.00} requested on XX/XX/2020 ). 

These FDCPA actions and tactics appear common from reviews of Hunter Warfield, but more importantly do not appear to comply with legal consumer debt rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I want to bring to the attention I feel like I been discriminated because because of my XXXX Chase decided to close my account they didn't tell me why all they told me that the people in the back room which I'm confused because I never heard of something like that but they close my account and they didn't tell me why they told me in a rude way that there was no no turning back from their decision and the problem is that it's already the XXXX and I get a direct deposit from my social security SSI benefits I'm completely left with not being able to get my deposit on the XXXX which is a few days away I have to pay rent I haven't had no bad debts with Chase everything was good and for any I don't know what reason they disclose my account but I really think that is very discriminated knowing that I explained my situation the kind of benefits I get and they said they didn't care I mean well who treats a person like that thank you. I will find some legal help with somebody that deals with XXXX discrimination because I feel because these people who they said work in the back room that brought the decision and there was no reversal from the decision I'll be lifting the streets because of this closing of my account where I receive my benefit payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-21 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account XXXXXXXX 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today on XX/XX/2022 I was notified by Capital One that someone had made a hard inquiry on my account attempting to open a new credit card and SSN tracked an unknown address I have never used before. I believe somebody is using my information to commit fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: IN

Complaint narrative:
This complaint is against Chase Bank. In XXXX of 2022, I uncovered significant fraud that occurred on 3 of my personal debit cards with 2 banks ( chase and one other ) over the course of months. Transactions showed up on my bank statements with various XXXX merchants that I totally did not recognize. I did not authorize the transactions, I did not lose my debit cards, and I don't recognize the merchant in any way. 

I began filing disputes with the banks involved regarding the fraudulent debit card transactions. With cash app ( the other bank or debit card ), I got my money back quickly. With chase, I got provisional credit issued for one of the accounts on XX/XX/2022, but the other account, they denied my claim altogether on XX/XX/2022. 

They at first claimed that they had proof the purchases were made using a secure chip card, and therefore I had to make them. They told me this multiple times when I called customer service despite me insisting I did not make the purchase using my debit card, and I never lost it, so I know it is impossible. I eventually went into a chase bank branch and had a meeting with a banker who reviewed each transaction with me and we together confirmed the chase claims team was wrong in saying the transactions were coded as 'secure chip card used '. Each transaction was manually keyed, like I knew had to be the case. 

The banker opened a complaint for me within chase, escalated my case to the corporate office, who ultimately came back and said they weren't reopening my claim simply because the fraud charges were too long ago, and not because they were done with a secure chip card like they falsely claimed to me at first. 

Reviewing the law, I believe I am within my rights to demand that chase assist me in recovering these fraudulent funds. I never lost my debit card, and the law I read on the matter says I would be liable for transactions that occurred more than 60 days after the first fraudulent occurrence on a statement. I understand that and I want Chase to issue me refunds for the fraud occurring within those 60 days on the 2nd account like they did do on the 1st account I have with them. 

The amount of the fraud Chase is denying to help me recover is over {$5000.00} so this is a lot of money to me and very important.

Company response to consumer: Closed with explanation