vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Lost my wallet with my CC and reported it and was put on XXXX hour hold at my request ( they do not tell you this option is available, they only want to cancel your card. ) After doing this I realized the card is attached to multiple electric vehicle charging accounts which I would need to access on my return trip in my electric vehicle. I talked to someone else and they assured me my charges for my electric vehicle would go through. ( Card still on XXXX hr. hold at this point ) .I then used another Chase XXXX card for a purchase and it was declined ( This card was also on hold ) Then I was worried that my card would not work and allow me to charge thus preventing my trip home. I called Chase again and was assured that the card would work but that they were cancelling my card.Through a third call to Chase I was told some additional information but they would not reinstate my card. My point here is that their misinformation has caused me great amount of time and effort because I will have to change all my auto payments with new information and if you have ever tried that you will know how difficult and time consuming that is.The last person I talked to I told them that I felt that the call center individuals got a bonus for every CC that they cancelled because Chase wanted to avoid any liability of a lost or stolen card and XXXX the cardholder!, Didn't deny this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
According to the fair credit reporting act this creditor ; has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an OPEN consumer credit plan, as late under any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
Credit card was closed on XX/XX/2021. Has been paid in full. I have called 3 times to take care of this. They are charging me monthly fees and now late fees 2 years after it has been closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First it says I opened up an account on XX/XX/2017. I did not. The amount was {$400.00}. I tried disputing it and nothing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NC

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. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-XXXX  ACCOUNT # XXXX 2-XXXX  ACCOUNT # XXXX 3-XXXX  XXXX, XXXX ACCOUNT # XXXX 4-XXXX ACCOUNT # XXXX 5XXXX ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7-XXXX  ACCOUNT # XXXX 8-XXXX  XXXX  ACCOUNT # XXXX 9-XXXX XXXX ACCOUNT # XXXX 10-XXXX  XXXX  ACCOUNT # XXXX 11XXXX XXXX ACCOUNT # XXXX 12-XXXX XXXX ACCOUNT # XXXX 13-XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT # XXXX 14XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX 15XXXX XXXX ( Original Creditor : XXXX XXXX  ) ACCOUNT # XXXX 16XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ACCOUNT # XXXX 17XXXX ACCOUNT # XXXX 18XXXX XXXX  ACCOUNT # XXXX 19XXXX ACCOUNT # XXXX 20XXXX XXXX  XXXX ACCOUNT # XXXX 21-XXXX XXXX XXXXXXXX ACCOUNT # XXXX 22-XXXX XXXX ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24XXXX ACCOUNT # XXXX 25XXXX XXXX XXXX ACCOUNT # XXXX 26XXXX XXXX - ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: NC

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. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-DEPTEDXXXX  ACCOUNT # XXXX 2-DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 4XXXX ACCOUNT # XXXX 5-XXXX  ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX 9-XXXX XXXX  ACCOUNT # XXXX 10-XXXX XXXX XXXXCCOUNT # XXXX 11-XXXX  XXXX ACCOUNT # XXXX 12-XXXX XXXX  ACCOUNT # XXXX 13XXXX XXXX  XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ACCOUNT # XXXX 14-XXXX  XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) ACCOUNT # XXXX 15-XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) ACCOUNT # XXXX 16-XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) ACCOUNT # XXXX 17-XXXX  ACCOUNT # XXXX 18-XXXX XXXX ACCOUNT # XXXX 19-XXXX ACCOUNT # XXXX 20-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX 22-XXXX XXXX  ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24-XXXX ACCOUNT # XXXX 25-XXXX  XXXX XXXX ACCOUNT # XXXX 26-XXXX  XXXX - ACCOUNT # 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 explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX this creditor, has violated my rights.

15 USC 1681 Section 602 states, I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I have been trying to get SLS.net my mortgage processor to remove the PMI I pay every month. They insist that I hire an assessor in order for me to remove the PMI. The mortgage itself is below the 20 % threshold as I under the law. My current principal amount is {$310000.00}. My ORIGINAL BALANCE was {$390000.00}. 

The difference in the two amounts is 22.38 %. Please assist me in getting this company to remove PMI. Their parent company is XXXX XXXX and they have a reputation for ripping off the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
I dont recognize any inquires that is on the file that is attached below. 
Please review attachment below. Thank 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 2023-03-06 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: NV

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 Account number : XXXX Account name : 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 Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-03-06 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 sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Name : XXXX XXXX Reporting amount : {$10000.00} I have contacted LVN } V numerous times to validate this debt and have not received anything that validates this debt They have reported inaccurate information on my credit report, and keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Account : Reason : Instruction Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 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 non-monetary relief
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX : The banker suggested opening a business triple cash credit card for {$500.00} after spending {$4500.00} within the first 150 days and I opened US bank XXXX XXXX XXXX Credit Card with promotion of {$500.00}. The banker went over every detail regarding this credit card and promotion. 

XXXX : I finished my spending more than {$4500.00} in XXXX months. 

XXXX : I visited branch where I opened account to ask my bonus and I was told by another banker that everything looks good and I need to wait. 

XXXX : I still haven't received my bonus and I called customer service and I was told that I need to visit the branch and I visited the branch again and the banker who opened my account was not there any more. 


XXXX : I still haven't received my {$500.00} bonus yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i checked my credit score and i found out i had a debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX

Company response to consumer: Closed with explanation