vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, my husband deposited money in my account at the ATM of the bank we do business with. Soon he received a call asking for the primary of the accounts which is me. My husband said don't you have it. The man hung up. I was doing a XXXX pickup order on my phone. When I finished I went to pay and it said insufficient funds. I knew the money was in, so I thought it just a data hangup and would send through again later. I'm not sure how long after, but I checked the balance on my bank app. It showed XXXX. XXXX paid out through XXXX. Also I am primary for two other accounts. One is my husband and one is my son 's. My son had XXXX paid out through XXXX to same phone number. My husband had XXXX paid out through XXXX  to same number. I immediately called my bank and told them the whole problem. They transferred to fraud dept. Immediately shut my account down, since it was all done with my primary account. So I had to change everything. They responded by the allotted time they are required to. They gave the money my husband and son lost back by depositing in their accounts. My account that lost XXXX  would not be given. They claimed that the fingerprint on my phone used and that is impossible for anyone to do. I was stunned. I know I didn't do it, so that meant there has to be a way. I have found several ways it could be done. Why steal my own money? Where did the transfer go to. I asked all these questions and I got long silence then I'm sorry we are not refunding this claim. I then called XXXX to be told this is not their responsibility that would be my bank. I asked if they were working together. Find out where the transfer went. No they are not. XXXX  filed the incident with police and they were dry and unhelpful. I have filed with the FTC and here I am 4 months later still missing that money. It was to pay bills, I have been in arrears since with my utilities. I had to get help from city assistance programs. It was a horrible experience. I still am with this bank till i get money back, so I'm allowed to get documents. I'm constantly watching for fraud. Like a job I watch and monitor. Why would they pay back 2 accounts and not one? I finally heard about regulation E and now I'm here. It's such a blessing we have rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
This Credit Reporting Agency are showing a XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy on my credit report they have stated that the data Furniture of information is a U.S. Bankruptcy Court in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act XXXX USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Due to XXXX I lost some work and my husband lost his job and we incurred a lot of credit card debt. I tried hard to keep my XXXX XXXX XXXX and pay my debts but it was overwhelming. I looked online for help and found XXXX XXXX XXXX. I signed up at the end of XXXX and they told me that I would submit my debts to them, stop paying them, and in 2 months they would make negotiations with my creditors. until then the money I paid them each month would go into a savings account to pay all my creditors. So after two months, I noticed my debts were not negotiated so I called them and they told me they were in negotiations with one creditor. I asked when the others ones would, and they said it takes 3-4 months not 2-3 months. They said the last person I talked to was wrong. So I waited another 3-4 months as I watched my debts not get paid and credit score drop. I called again, I was told it takes 5-6 months. So again, I waited, I get to month 6 and call again. This time I demanded to see a copy of the savings account where all my money was supposedly going. the one creditor they were paying they told me they only paid them XXXX a month and I was paying them XXXX a month. They sent me the statement, and it had a ton of fees taken out each month. I said, so you are telling me that you pay the XXXX and all the money I have sent, thousands of dollars now, has only went to pay your fees. there is no money left to pay my other creditors even if you get in a negotiation with them. for the first time they admitted to me that yes I guess there wouldn't be any money left or to do negotiations with the other creditors for two more years. I said, well I could have been paying them and you kept telling me not to and kept telling me to wait. I asked that they took notes of the call and make sure to state all that was said. I was scammed big time. I had made several calls to them throughout the process only to be told the same thing, they are working on negotiations. but they were not. I lost a ton of money, I lost my good credit, and I am now in a worse situation because I don't even have the credit to get a loan to help me pay off my debts. I have cards that I did not submit to them in good standing, and I am so happy I didn't. I can't believe this happened to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. This account is fraudulent and needs to be removed. XXXX XXXX {$7700.00}. Fact, The XXXX XXXX  XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS 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 2022-12-30 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} 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 2022-12-30 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 XXXX 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. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OK

Complaint narrative:
Disputed and Requested information from credit bureaus ( XXXX, XXXX, XXXX ) to verify debt from a company. Requested removal until debt could be verified. Dispute was claimed accurate with no documentation or verification give to me. I only received a single notification that it was completed with no proof of accuracy, to me, the consumer. 
Debt was to a Jefferson Capital Services for a little over $ XXXX. They are false reporting and damaging my credit and name. I never had, nor have any knowledge, of an account or owing money to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I have been receiving emails since XX/XX/2022 from this company harassing me about money that I do not owe them. They have also applied this collection to my credit report which is invalid because I have not signed a contract with them to owe them any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello, On XX/XX/XXXX, 2 purchases of XXXX  each at 2 seperate XXXX XXXX locations in Minnesota were charged to my Bank of America credit card account. I informed Bank of America that they were fraudulent charges and they took them off of my account and closed that account. 
On XX/XX/XXXX Bank of America mailed me a letter saying because I had done business with XXXX XXXX in the past they determined that the charges were made by me and put the 2 charges totaling XXXX  on my new credit card account that they had opened to replace the other account. 
On XX/XX/XXXX I made a report with our local police in XXXX, WA about the fraudulent charges. 
On XXXX I spoke with employee XXXX at XXXX XXXX and after I provided him with the last 4 digits of the compromised credit account and the date of the fraudulent charge he was able to tell me that the purchases were made by someone purchasing 4 - XXXX XXXX gift cards at 2 separate retail locations in Minnesota. He told me there is video footage available of the suspect making the fraudulent transaction. After that phone conversation I called Bank of America fraud department and gave them the information that a police report had been filed and that XXXX XXXX has further information about the fraudulent transaction. 
On XX/XX/XXXX I spoke with supervisor XXXX in the Bank of America fraud department. He told me he saw that the information that I had given to another employee on XX/XX/XXXX had been added to the file. He also told me there was no evidence of any further investigation being done by any Bank of America employee.

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 monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Greetings, My name is XXXX XXXX. I have been working on my XXXX XXXX for a couple of years now. Paying everything on time, paying off credit cards with low balances. My XXXX XXXX nearly made it to XXXX for the first time in a long time. The company called lending club-used for dental work. Which is another story I dont understand why dental insurance does not cover like regular insurance. XXXX health is just as important as all other health issues. AnywayI opened an account with lending clubnever got a paper bill in the mail. Finally got informed I owed {$1900.00} for partially paying for a {$6000.00} implant, which is insane by the way for ONE tooth. My account went 60 days late and my credit score dumped over XXXX points! This is wrong! I called them and paid some of the payment I was late for and caught up actually today with the remaining {$75.00} to bring the account current. My question is who is policing the credit agencies?!! How can they decide to destroy my credit over being late for two months? 

Sincerely 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
HI I AM SUBMITTING THIS 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.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: VA

Complaint narrative:
I sent a letter well over XXXX ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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