vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I made my monthly payment for my Chase credit card for roughly {$3500.00}. After making that payment, I enrolled in automatic monthly payments. Chase then deducted XXXX payments from my Checking account for a total of about {$7000.00}. Chase argues this was my liability because I signed up for automatic payments after making my monthly payment. I did not have the funds for XXXX payments at the time, and my bank charged me an Insufficient Funds Fee. 

After contacting Chase, they refused to reimburse me for the Insufficient Funds Fee from my Checking account. Instead they said they would send me a check for the now negative negative balance on my credit card. Therefore, the XXXX payments that posted can not be rectified for their system mistakingly posting multiple withdrawals to my Checking account and the Insufficient Funds Fee is my liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 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: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, XXXX, and XXXX. I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX  on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've tried to get my free annual credit report from EQUIFAX and they said I couldn't do it online two months ago. They said there system wasn't allowing it. 

So, they said I could send in a written form to request it and now it's been 2 months with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been asked to pay a debt for {$280.00} to original creditor XXXX XXXX XXXX  current owner Midland Funding LLC original account # XXXX, McM  account # XXXX. 

I have been asking Midland Funding LLC to provided me with proof of the charges that were incurred in 2016. My request has fallen on deaf ears. I have not received the information requested as of now. 

I feel that I am being harassed to provide this payment without knowing what product/service was purchased in 2016. I am receiving a bill each month requesting payment which I will not pay until I am shown proof of what was purchased by me. I also received daily phone calls from Midland Funding at my home and place of business requesting payment. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian failed to investigate fully and remove this account with XXXX  XXXX. Proof paid in full attachment to XXXX  XXXX  I took out a loan in 2019 with XXXX  XXXX. It had XXXX payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX Experian and XXXX XXXX to dispute this. When they investigated it XXXX  XXXX  continued to verify that I was past due and did not make the last payment. I have disputed this directly with big loans as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.

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 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Afterpay US Services, LLC
State: VA

Complaint narrative:
On XX/XX/22 I purchased a pair of shoes from XXXX  and paid with an Afterpay virtual card in the amount of {$500.00}. On XX/XX/22 XXXX  issued a partial refund in the amount of {$55.00}. I contacted Afterpay because the debit card I had on file with them initially to pay back my purchase has since been closed along with the bank account. With Afterpay the purchase is split into 4 payments. My first 2 payment were paid with the debit card that has since been closed and my last 2 payments were made with my new debit card. I wanted to inform them of such so that they dont credit the closed card since the bank will reject the refund due to my account being closed. The refuse to give me a straight answer on this issue and insist on crediting the closed account when they know I wont receive the refund. Its seems as if Im being given the run around and that they are trying to keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent authorization of these accounts. I would like them removed from my consumer 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 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Global Credit Union
State: AK

Complaint narrative:
On Saturday, XX/XX/2022, XXXX from the fraud department of Alaska XXXX  in XXXX, Alaska, called me to tell me that someone from XXXX had all of my personal information and called Alaska USA on XX/XX/2022 and had them send him or her a new debit card. They sent it out to the address in XXXX, but they also told the XXXX Police Department after speaking with me. However, Alaska USA did tell me to file this affidavit, freeze my credit and get XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: MO

Complaint narrative:
World finance has all of a sudden in the last 6 months decided that they wanted to change the date of open on my account from date opened XX/XX/XXXX to date open XX/XX/XXXX! 
They now show it as active collection with a balance of {$360.00}. Which is an increase of {$60.00} and shows as derogatory! 
There has been no communication whatsoever from them nor can I get anyone to give me an answer. If I'm not mistaken isn't it illegal to change the active date on an old account ( XXXX ) so that you can make it reoccur? And then add more to the balance so that it's detrimental to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.

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 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Got sent XXXX to old account. They won't give it to me because it's an old account but they won't give it back to the sender either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The company offered a {$50.00} reward if I charged at least {$500.00} on the card in the month of XXXX. I did that. However, I did not recieve {$50.00}. when I complained, I was told Venmo is not responsible for their card. That makes no sense. How can Venmo not be responsible for promised made in their name and on their card? 


" Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. ''

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 2022-07-16 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 XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, and 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 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 explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I have A XXXX collection with diversified adj. svc from originator of XXXX but the account does not belong to me and I spoke to XXXX about this account in collections and they notified me that they have no information of this account in my name or responsibility yet it is reporting on my credit report as a derogatory collection account and my only conclusion is this is a fraudulent account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: IL

Complaint narrative:
I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 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 explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
Frontlines asset strategies at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX has been sending me collection notices in the amount of {$550.00} and {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX 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

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 2022-07-16 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX  XXXX XXXX XXXX XXXX  TX,XXXX  XXXX XXXX  XXXX XXXXTX , XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX  XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.

Company response to consumer: Closed with explanation