vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX 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 rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX 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 rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Hello, I am a XXXX XXXX not in XXXX XXXX  and my computer was hacked by someone claiming to be from XXXX. I just noticed in my email that several complaints with you were filed by this hacker. I have not filed any complaints and would like them withdrawn. They are listed below and I have changed my password to your site XXXX XXXX XXXX Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
received a letter from Freedom Plus in care of XXXX XXXX with attempt to issuing a loan. When calling FreedomPlus they advised me that there marketing team is conducting soft pulls to get people to take advantage of loans. I need this to stop and removed me from any soft pulls or anything in the nature of credit when not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. 
XXXXXXXX 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 XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: MI

Complaint narrative:
I have a line of credit/credit in the amount of {$1000.00} from Grain XXXX XXXX The only way to make payment to Grain is via their app. No website, phone or mail options. On XX/XX/XXXX I attempted to login and make payment. However the app required me to verify my identity by uploading a copy of my social security card. I uploaded a copy of my social security card on XX/XX/XXXX and the informed that it may take up to 5 business days to complete the verification process. After 5 business days with no response and still not being able to login to make payment, I emailed the Grain Support Team on XX/XX/XXXX after waiting patiently. An automated message replys that they apologize for the delay and will have someone get back with me. Still no resolution and assistance, I direct message Grain on XXXX. They respond immediately and again apologize and have XXXX email me on XX/XX/XXXX. XXXX suggest that I uninstall and reinstall the app. I did that several times and could not login. He asks for my operating system ( XXXX ) and says that XXXX get back with me. After not getting a responds within 3 days, I follow up via XXXX and email reply to XXXX. He replys with the same suggestion which I explained in detail to him with screenshots verifying I couldnt login. I then receive a credit monitoring alert that Grain reported me 30 days past due which is detrimental. I follow up on XX/XX/XXXX via XXXX with the same message sent to XXXX. They only respond with, we apologize, well have some follow up. I uninstall and reinstall the app on my own to try and resolve the issue and the XXXX XXXX XXXX says that the Grain XXXX app doesnt exist. I have emails and screenshots of all conversations and from the XXXX store if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: OH

Complaint narrative:
While I was on vacation someone stole my card and card information. According to the bank it was used at a business named XXXX XXXX XXXX. This business doesn't have a valid phone number or website and appears closed. I was over an hour away from where they say it was used and have never been there. I called chase to dispute the charges and they denied my claim. I attempted to elevate my claim and they refused to allow me to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Block, Inc.
State: TX

Complaint narrative:
I have disputed 2 card transactions from a merchant as they are unauthorized fraudulent transactions. These transaction seem to be made with my card number. The dispute was rejected and a week after my dispute results that unauthorized merchant has charged me again! I did not authorize these transactions! 

The transactions are listed below : XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$110.00}. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$41.00}. 
XXXXXXXX XXXX XXXX  XXXX XXXX in the ammount of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: AZ

Complaint narrative:
In accordance with the fair credit report act XXXX  account # 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

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 2022-06-13 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:
I would like all hard inquires removed of my credit report it. 

XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights. 

XXXX XXXX XXXX - Account No. XXXX XXXX  XXXX XXXX - Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX - Account No. 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 explanation
Consumer complaint received 2022-06-13 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: CA

Complaint narrative:
I, XXXX XXXX did not give any creditor or credit bureau to report negative items on my credit report. according to FCDPA 15 U.S.C. 1681b my right to privacy is violated therefore i demand payment to me of no less than {$100000.00} for this violation of law.

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 2022-06-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX did not give any creditor or credit bureau to report negative items on my credit report. according to FCDPA 15 U.S.C. 1681b my right to privacy is violated therefore i demand payment to me of no less than {$100000.00} for this violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received an email stating that I had been enrolled into a credit monitoring program with Chase bank. Then I received immediately another email saying that an account had been opened for me at Chase bank. Then I received immediately a third email stating that my email address had been changed on the account. I've never opened any account with Chase bank, nor enrolled in any services with the bank. I called their fraud department, they told me that the account popped up but that they need my social security number. I advise them that I have no business with the bank, and that the account is fraudulent. They told me that they would not process anything unless I gave them my social security number. I advise them that they are now aware that the account is fraudulent, and as I have no business with the bank I'm not required to provide a social security number. And that I will not be liable for any charges that occur based off of this fraudulent account. They told me I would have to go into a branch if I refuse to give them my social security number. I told them that they are now aware that the account is fraudulent and that they will be liable for any charges if they choose to investigate further, but that they will not harass me about any debts that occur based off of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove ALL these inquiries that are NOT Authorized by me 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. 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 2022-06-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My company XXXX XXXX XXXX XXXX XXXX XXXX ) is required to obtain a performance bond to satisfy the requirements of a government contract that we were awarded. The bonding agency uses XXXX XXXX XXXX to do a credit check and denied my bond based on a low credit rating being reported by the Experian credit reporting company. In order to find out what was on this report I had to purchase a credit report from Experian. The Experian report regarding my business gives a score of XXXX or " High Risk ''. The report details a " Bank XXXX '' charge off of {$22000.00} on XX/XX/XXXX XXXX. This is completely false information as I have never had a bank card charge off and have no idea what this is. They don't report the one bank card that I do have which has always been current and has a balance of {$3000.00} which is paid automatically each month. The Experian report also lists a financial services account with a balance of {$20000.00} and a 31-60 past due amount of {$840.00}. The only bank loan that we had was a business line of credit through the XXXX XXXX XXXX Bank which is paid in full and no longer exists. The report also lists XXXX tax liens. XXXX XXXX is reported properly as released but the other XXXX have not been properly updated. This erroneous information is preventing me from obtaining an insurance bond and will cause financial and reputation harm to my company. I filed a dispute with Experian however I have not heard a thing from them. This situation is very time sensitive and I may lose this contract if the bond is not obtained.

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 2022-06-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
company close account for no specific reason

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I obtained in XX/XX/2022 a credit card with Citibank # XXXX, since then I was able to use it a couple of times and then it has always been a problem to use it, so I asked for the cancellation of the account and return of my {$2500.00} deposit money plus an extra {$3.00} on the same credit card, this bank works extremely badly, and so far they have not canceled my account or returned the money, I am tired of calling CITIBANK so I turn to you to help me solve this situation, since I had an accident and I urgently need this money back. 

XXXX My ID is my passport # XXXX XXXX XXXX Cellphone 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 2022-06-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CITI CLOSED MY ACCOUNT AND WON'T SAY WHY. 
THEY ALSO SAID THEY WILL SEND MY FUNDS IN 60 DAYS OR SO. I NEED THOSE FUNDS ASAP.

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 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have contacted the original creditor to try clear this matter up they they reporting I owe them nothing and the account had been sold to a company that is not yours I have provided a copy of the identity theft report I filed 2 years ago about this debt that keep popping up on my credit if you do not remove this debt immediately from my consume report or I will be force to pursue legal actions for compensation do to false reporting

Company response to consumer: Closed with explanation