vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I receive an annuity payment from XXXX XXXX in the XXXX which is deposited as a international wire transfer into my US Bank account each XXXX. The annual payment is for XXXX. When I received my first payment on XX/XX/2021, I received the dollar equivalent of {$4400.00}. This month on XX/XX/XXXX, I received the amount of {$3400.00} which is not I believe coincidentally the exact amount in pounds sterling that was deposited by XXXX XXXX. When I contacted US Bank about this on XX/XX/XXXX, they said they were unable and unwilling to tell me the exact amount that had been deposited in my account. I believe that US Bank has made an error in not converting the pounds sterling deposit they received into dollars. I have verified with XXXX XXXX that they made the deposit by international wire transfer this year as they had done last year. 

I have attached a cover letter from XXXX XXXX showing the details of the annuity payment and also a screenshot from US Bank showing the deposit amount in my account.

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 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On Monday XX/XX/XXXX I logged onto my chime app on my phone to transfer funds to get gas and my account was logged off and it wanted me to log back in and when I did it wanted to send me a verification code to my phone number so I did. it said that it sent my code to an unknown number I was not aware of ever seeing before. So I had to change my phone number on my account back to my phone number to gain access back to my account ..followed all the prompts and verifications. When I finally got back into my account I noticed that my checking and savings was XXXX $ and all my money from my savings was transferred from my savings to my checking and then sent to an unknown cash app ... when I called chime to make a dispute about the fraudulent activity they said that on Sunday XX/XX/XXXX there was a phone call to them and someone saying they were me and chime gave them my password onto my account ... Wich they were not able to tell me what the phone number or area of the world the phone call was made from ... the caller did not even call from my phone number that was registered to my account... they said they would do an investigation and have an answer within 45 days ... XXXX XX/XX/XXXX they emailed me saying that there investigation led to there not being any error occuring and was not giving my money back... I asked for a copy of the investigation XX/XX/XXXX and have yet to get a copy emailed to me and it is now XX/XX/XXXX. I did also file a police report with the XXXX XXXX police department where I live a few days ago as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have been reaching out to Gc services for a while, never get a response. 
XXXX {$530.00} Most recent letter sent. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Today is XX/XX/XXXX I have been sick with the XXXX. Just got well today went back to work credit acceptance. I called me seven times in five hours.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I had these two Credit Card While I was Married to the mother of my children she had used them and I filled for XXXX  and these two accounts were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX FILING NUMBER - XXXX. 

I have contacted Experian numerous times using various methods of communications both written and verbal. My efforts has Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by Experian and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EXPERIAN has mislead me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EXPERIAN is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EXPERIAN is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX entity XXXX XXXX without my written consent. That also includes EXPERIAN. 



The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provide legal authority for disclosure of SSN verifications from SSA records.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I attempted to make a balance transfer using a Wells Fargo transfer check attached to my credit card account. Although the debited my account the the {$1200.00} dollars it was never credited to my intended XXXX card account. I have made 5 attempts by phone to rectify the problem with Wells Fargo, and one written correspondence with no results.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 5 late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-23 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: MI

Complaint narrative:
I FILED A DISPUTE WITH TRANSUNION, XXXX, AND XXXX REGARDING THIS INCORRECT INFORMATION ( XXXX XXXX BANKRUPTCY, AND XXXX  XXXX ), ( DEPT OF EDUCATION ) ON MY CREDIT REPORT. I HAVE CONTACTED THE COURT THAT THEY CLAIM HAS VERIFIED THE INFORMATION AND THE COURT STATES THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. THEREFORE THIS INFORMATION IS BEING REPORTED ON MY REPORT WITH OUT MY CONSENT, THEREFORE THIS IS FRAUDULENT AND NEEDS TO BE REMOVED. PLEASE SEND A REVISED CREDIT REPORT WITH THESE ITEMS BEING DELTED AND MY CREDIT REPORT UPDATED. OR I WILL TAKE THESE MATTERS TO COURT

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: AR

Complaint narrative:
U.S. Bank has been charging me XXXX XXXX interest on a cash advance for {$160.00}, but for some unknown reason, the money was removed from the cash advance category and added to my account balance, which is thousands of dollars. I contacted U.S. Bank on XX/XX/2022 and spoke with customer service and requested to pay off the cash advance to eliminate the XXXX XXXX  interest charges, but was told that I couldn't do that unless I paid the entire balance in full. I informed her that I could not afford to pay the entire balance at XXXX time and that trying to do so would cause me serious financial distress! She was indifferent to my situation and continue to repeat their policy. At this time I told her that this was very unfair and I would be filing a complaint. In addition to being prevented to pay off my cash advance, U.S. Bank has also been charging me added interest on my card that was not listed on my billing statement under, " Interest Charged ''. After paying the interest on my monthly billing statement each month, several days later U.S. Bank has been notifying me, via email that I am being charged for a " Purchase '', but the reality is that it's more interest payments! On my latest due date billing for XX/XX/2022, it stated that my interest charge was {$310.00}. But after paying the added interest of {$280.00}, I actually paid {$590.00} interest! And when you factor in my XX/XX/2022 automatic payment of {$690.00}, my total payment for XX/XX/2022 was {$1200.00}! U.S. Bank taking money from my cash advance category and placing it into my account balance category thereby making it impossible for me to pay, and charging me added interest that was not included for payment on my monthly statement is highly irregular and should be cause for an investigation.

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 2022-12-23 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: OR

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : 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 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22 I wrote my check # XXXX to XXXX in the amount of {$4200.00} and check # XXXX in the amount of {$2100.00} to XXXX XXXX. Both checks were stolen out of a mailbox in front of the US Post Office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As soon as I found out I reported to the police. 

The XXXX check was cashed and paid by Chase Bank on XX/XX/22 even though it had no endorsement on the back. 

The XXXX XXXX check was cashed and paid by Chase Bank on XX/XX/22 and endorsed by XXXX XXXX ( who is obviously NOT XXXX XXXX. ) As soon as I realized that XXXX and XXXX had not received my payments I immediately went to the Chase Branch at XXXX XXXX XXXX to report it. 

I have completed the same paperwork for the Chase Fraud division 3 times and so far I have not seen a XXXX of the {$6400.00} which was fraudulently paid by Chase to imposters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX. They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to PHH mortgage in early XXXX. I received two checks from XXXX XXXX  with my name and my mortgage companys name which at that time was PHH mortgage. I signed the checks and sent them to PHH to be counter signed. They held onto it for about two months, and then sold my mortgage off to XXXX XXXX  along with my checks and everything that backed up my losses. I have begged XXXX XXXX  to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for XXXX - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( PHH Mortgage ). I have recently been XXXX  with XXXX XXXX, and Im going through XXXX  and can not even afford my XXXX  bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX FRAUDULENT NAMES : 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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 non-monetary relief
Consumer complaint received 2022-12-23 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: CA

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. 

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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation