vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Saphire credit card has points attached. Used points for travel and canceled travel within cancellation terms. Chase has not refunded my XXXX points worth {$2000.00}. They keep escalating the issue with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
The collection agency have been unable to verify this debt lawfully. They are trying to collect on behalf of their client XXXX AT XXXX XXXX for a non sufficient fee and some alleged amount of {$290.00} they claim I owe to them. However, I would like to say that I didnt pay with a check so forth I never had a return payment and I shouldnt be charged an Non Sufficient Fee like they claim, the amount of {$150.00} is not applicable, the amount of {$140.00} was disputed by me on the credit card I used to pay an application fee because I felt an improper and discriminatory practice against me and I have all the legal rights as a consumer to do so, but unfortunately my claim got rejected by the bank and the money was paid to them. Furthermore the charges on the invoice they had attached on the validation letter are not valid/legit, I never lived in this place so I I should not have a balance at move-out charge for {$98.00}. That being said Im not obligated to pay off this debt that they unlawfully alleged I owe to them and their trying to collect. 

I have bank statements and proof from my bank that the money was paid to them. 

In addition I never receive a notice of debt and the only time they call me they claimed that they didn't call to argue with me and they hang up when I try to ask for more details about the money they were trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: OH

Complaint narrative:
XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted XXXX, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. XXXX then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed XXXX of the fraud and I have not received any meaningful information regarding the status of that claim.

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 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX XXXX XXXX dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXXXXXX XXXX account number - XXXX XXXX account number - XXXXXXXX XXXX XXXX  account number - XXXXXXXX XXXX XXXX XXXX account number - XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-09 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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Company keeps trying to withdraw money from my bank. Did not realize payday loans are illegal in NYS. They are hurting me financially.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Accounts Service Team Inc.
State: GA

Complaint narrative:
I have requested a debt validation letter on two separate occasions. For my own records, I did record the conversations of me requesting them. I have yet to receive them and am being continually harassed by this company. They went so far as to say that if I paid them, they would lie to the credit bureaus and have it removed. I asked for this in writing so I could report them and they stated they could only give a verbal agreement. Letting me know, they lack proof of this debt and this is simply an attempt to collect money from a working class American.

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own DEBIT COLLECTION NAME, XXXX XXXX XXXX, ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 I contacted this company asking for validation/verification of said debt in amount of {$440.00} dollars. proof of debt was not provided. a printout of a bill or itemized document does not constitute as verification Again the acct in question is XXXX the address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kentucky XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CRESCO CAPITAL INC.
State: FL

Complaint narrative:
The Credit Bereau stated my account was properly investigation 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 ground for removal You 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2022, I made a payment for the complete balance reflected on my billing statement of {$140.00} to my XXXX XXXX Credit Card. This payment was made when I got off work after XXXX. On XX/XX/2022, I called the company to close my account. During the process of closing the account, the automated system stated that I had a balance of approximately {$32.00}. I elected to speak with an agent to explain the amount being applied to my card. The agent I spoke with informed me that it was a late fee due to me paying after XXXX. I explained to the agent that there's nowhere on the statement where it list a deadline time, only a date in which the late fee would be applied if payment not made by that date. I read the paragraph to the agent verbatim. The agent then explains to me that there's a paragraph on the 2nd page ( which is the back of the statement ) listing the cutoff times ( which is in smaller print ). I informed the agent that at no time on the day of making the payment was I inclined to look at the back of the page because I was going off the information provided on the initial front page, which list the date payment is due, the amount of the balance, the breakdown of the charges and the late fee warning that states verbatim " If we do not receive your minimum payment by XX/XX/2022 you may have to pay up to a {$41.00} late fee. ". The only time that is mentioned on the initial front page is for mail in payments. I also informed the agent that even the 2nd ( back page ) with the cutoff times, does not have a late payment fee warning in it's paragraph. I was then transferred to a supervisor who only proceeded in debating with me on this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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: MS

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFITS FROM THESE TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo account was closed by Wells Fargo - I was told it may be " suspicious activity in which the account is compromised '' - no other details. When asking for additional details, I was told I needed to step into a branch : I did so and they told me to call the number, which in turn told me to step into a branch. Ultimately I just want documentation on why my account was closed ( I understand it is their prerogative to close the account - all I was requesting was documentation as to why ). 

All of this happened after, suspiciously, meeting the requirements for the " banking bonus '' that was offered upon opening the checking account. Right after meeting those requirements, the account was closed and I did not receive any additional information as to why it was 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 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX  - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATION/XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX  account number - XXXX XXXX XXXX XXXX account number - XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to Portfolio Recovery Associates , LLC tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.

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