vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by Congress, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX accounts ( XXXX and XXXX ) should be deleted and blocked.

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 2023-05-22 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: LA

Complaint narrative:
I have the following unauthorized inquiries reporting on my credit report that I would like removed : XXXX XX/XX/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 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 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 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I took out an auto loan through Chrysler Capital in XX/XX/XXXX. I have paid monthly installments ( {$350.00} ) over the last 4 years and on XX/XX/XXXX I sent my final installment via a guaranteed cashiers cheque to settle my auto loan to the value of {$13.00} XXXX. My balance was due on the XX/XX/XXXX The cheque was sent via registered mail and as a result I received confirmation that the check had been received and signed for. 

on XX/XX/XXXX I called to follow up on my payment, a Chrysler Capital customer services agent informed me that they had lost the cheque and requested that I send the front and back of the cheque as well as the confirmation of delivery. This information was sent on 3 separate occasions and I have called weekly to follow up on the status of my payment. 

on XX/XX/XXXX I received a letter in the post dated XX/XX/XXXX stating that I need to return my vehicle to the dealership as I have not settled my auto loan, it outlined that I need to return the vehicle within 10 days of the date of the letter ( XX/XX/XXXX ) to avoid my vehicle being repossessed On the XX/XX/XXXX I called Chrysler Capital to follow up on the letter as I wanted to outline that my check was in query. I was assured that there were notes within the system outlining that they were in the process of locating my check furthermore they requested that I resend a copy of my check via fax once more to stop further action from being taken. They also outlined that it would take 24 - 48 hours for my fax to be available for their view on my file. this was outlined each time I sent a fax on the XX/XX/XXXX I called as a follow up to ensure once more that they had received proof of my check as well as proof of the check being delivered however this time after having sent them the information three times they outlined that the information that they had requested three times prior was in fact not sufficient enough. 

they outlined that I need to contact the bank to determine in Chrysler Capital had endorsed the check, I followed up with my bank who outlined that due to the funds being in Chrysler Capitals name, and technically not in my account they could not provide me with that information. They outlined that 90 days would need to lapse from the date of the check being issued to provide any information about a potential endorsement or reissue. for all intents and purpose the funds are in Chrysler Capitals name and in the instance they have lost the check, they would need to declare that to the bank for the release of the funds available to them. 

I currently have received notice based on the letter that if they have not yet located or cleared my check and I have not yet returned my vehicle that they will recover my debt by means of repossessing my vehicle despite having sent a check and issued payment at my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the days of XX/XX/XXXX & XXXX XXXX I made 3 separate transactions : two of {$470.00} and one of {$880.00}. It was to the company XXXX XXXX XXXXXXXX XXXX and for services they were suppose to fulfill. Since the day of the transitions and completing the requirement they asked from me the client in order for them to complete the services they promised. It was for an evaluation per transaction and if passed they would refund me the enrollment. By XX/XX/XXXX all requirements were fulfill as well as a request for the refund. The company from there in multiple forms of communication began to go around the situation and didn't want to do what they said. They rejected my reimbursement as continue to give excuses or ignore. During the same time after multiple broken promises and patiently waiting for these issue to be resolved nothing. I also saw on XXXX XXXX and other sites had nothing but negative reviews and how they were others in similar situations. I called Chase Bank to notify them of this company taking advantage of me and the experience. They credited me with a temporary credit to only come back shortly after and reverse the credit. They didn't give me a chance to dispute and send them further information to resolve this situation. After multiple phone calls and hoping someone can help they all gave me he same answer that this can't be appealed or disputed there decision. Now I have my account overdrafted with multiple other fees added as well as some of my funds lost in the reversal. I believe that this need to be looked into and they should have given me a chance to dispute. I now would like to file a complaint with Chase Bank and ask for a further investigation. I believe they should take responsibility on this on this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TN

Complaint narrative:
My name is XXXX XXXX after receiving my credit report I found two accounts on there that I did not apply for. They both are with XXXX XXXX XXXX One account is in the amount of {$2200.00} and opened XX/XX/2020. The second account is with XXXX XXXX XXXXas well was opened on XX/XX/2020 in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I lost my card in the bank ATM at the local branch they refuse to give it to me out of the ATM machine and refused to send me a replacement card kept charging me late fees etc when I lost the card XX/XX/2022 I tried calling and they were not verify my identity based on the fact that they would not accept my phone number they were forcing me to receive a text message with a code, they discriminated against my phone number because it was a XXXX XXXX account which is federal database I have proof of everything. They would not accept my phone number and in person I presented original birth certificates State IDs passport well over satisfying the request to verify my identity but based on your multi-factor text authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/23 Dear Experian, XXXX, XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 

You received a notice of dispute from me resulting in you advising me that the account had been updated. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. 

The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time

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 2023-05-22 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: NC

Complaint narrative:
So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, Equifax XXXX, XXXX XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: WA

Complaint narrative:
I have already disputed the collections on my credit report I want the following deleted from my credit report the XXXX inquiries and my name is also wrong on my credit report my name is XXXX XXXX XXXX anything else is not my name nor do I authorize it on my credit report I also want to take the personal statement off my report because I'm going to be applying for loans soon within a week I need emergency funds and I'm not able to get funding because of the incorrect amount of inquiries on my report and these collections that are reporting twice from the same company XXXX XXXX XXXX XXXX  store. On my identity report that im going to be uploading on there are the accounts that aren't mines and is reporting inaccurately and my rights from the fair credit report act allows me to have any incorrect information on my report to be immediately deleted and not to be put on there ever again.

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 2023-05-22 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: NJ

Complaint narrative:
XXXX OF XXXX My identity was comprised and these were attempts to open fraudulent credit cards under my name. Please view attachment below of report. 

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 BANK XXXX XXXX Under 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 2023-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Account name CREDIT ACCEPTANCE CORPORATION Account Number XXXX Account type Auto Loan Open Date XX/XX/XXXX Status Repossession. 
{$4.00}, XXXX past due as of XX/XX/XXXX. 

The original amount for the car how much Ive paid a {$2000.00} down payment on this car and {$1000.00} plus in monthly car payments They didnt adjust or factor in my down payment Instead they added debt intentionally disregarding the amount of my down payment within the cars total value and reported amount This car is a result of an write off on this companies taxes then a pay off from this companies insurance provider and the purchasing bid price from the auction Has paid for this vehicle there is no money owed I believe that Im the one who is owed a surplus for the debt and for the differences left on the car

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 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX I requested a redemption of cashback points from my Chase bank account to my XXXX XXXX  checking account. 

External DDA Order # XXXX ) for {$77.00} cash back to your bank account number ending in XXXX was submitted on XX/XX/XXXX. 

and External DDA Order # XXXX ) to your bank account ending in XXXX on XX/XX/XXXX. 

However, I did not receive either values. 

In contact with the chase support, the service was very superficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

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  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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 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 2023-05-22 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: GA

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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 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 explanation
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-05-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation