vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase called me while I was driving my vehicle to my job and asked me if I was trying to purchase something from XXXX in New York for {$500.00}. I told them 'no '. Then Chase asked me if I knew someone named XXXX XXXX. I told them 'no '. Chase told me that they were setting up a restriction on my account and that they would be sending a text. All of this was done while I was on the telephone. Chase said they would send a request to see if the restriction was active and said it was a 'bogus ' request and that I needed to respond 'yes '. After that is when the money was taken from my account in the amount of {$1000.00}. I called Chase fraud and told them what just happened and they said it wasn't them. This happened on a Friday afternoon, XX/XX/2021. 

See attached texts and email XXXX text - from ( XXXX ) XXXX XXXX text - You added XXXX XXXX XXXX text - Chase Fraud XXXX text - Chase Fraud XXXX email - Chase canceled the payment for XXXX XXXX Chase sent emails XXXX XXXX which is my email also. One email stated that account alerts were activated on my Chase mobile app for XXXX. I do not have an XXXX and never have. This was done minutes after the XXXX scam. Another email was sent after the previous one stating, 'We 've canceled your payment to XXXX XXXX XXXX. 

I went into the Chase bank on XX/XX/2021 located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with two associates about this incident. They informed me to contact the Chase Fraud department. I asked them to cancel the transaction and I was informed that they could not. 

Chase provided a letter stating that 'we discussed and agreed that no action would be taken on this claim '. I did not agree with this resolution. This is the letter that is being sent to several customers disputing XXXX scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: NJ

Complaint narrative:
I have sent equifax several notifications on unfamilair inquiries on my report, along with my FTC report reflecting such. They chose to delete XXXX leaving the other unauthorized inquiries on my report and failing to notify me of any verification of such. 
under 15 us c 1681 et section 604 of the credit reporting act, you must provide verifiable evidence or delete. 
These remain on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX 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 XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BlockFi Inc
State: NY

Complaint narrative:
The company has updated their terms and conditions and I had refused to accept the updated terms and thus can not proceed to withdraw my digital assets. 

I have reached out to the company and they refuse to return my assets to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus 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, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX i tried to use my payfare atm card at a XXXX XXXX XXXX atm. The atm malfunctioned and didnt give me any money but the {$440.00} i tried to take out was still debited from my account. I filed a dispute with payfare and contacted XXXX. On XX/XX/XXXX i spoke to XXXX again and they said they recieved the dispute from payfare and that the atm had malfunctioned and they sent the money back to payfare. The money still hasnt been put back in my account yet. XXXX rarely responds to emails and only says it can take XXXX days which is unacceptable considering the other bank already returned the funds. When i call payfare to get a live update they just tell me it can take XXXX days and hang up on me with no real update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
Acct # : XXXX that ended in an eviction filed XX/XX/XXXX due to IDENTITY THEFT. Original Creditor XXXX XXXX has allowed Columbia Debt recovery LLC ( dba Genesis Management ) to report a 'identity theft ' debt to all 3 credit reporting agencies even though this is a serious violation of the FCRA Section 605 ( B ). This fraudulent account was established in XXXX XXXX. A police report and an FTC report were both filed in XXXX, please see attached document. This account fraudulently associated with XXXX XXXX needs to be squashed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I had a student loan balance with XXXX XXXX XXXX XXXX. I then decided to refinance with XXXX, who made the payment to XXXX XXXX in XX/XX/2021. They did not pay the correct amount ( they were short by {$2.00} ) meaning I had an outstanding balance since then, which has been accruing interest. For some unknown reason XXXX didn't make the correct payment amount, and XXXX XXXX did not communicate to me that I still had an existing balance. I should have checked with XXXX XXXX, but I assumed that XXXX had done this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TX

Complaint narrative:
I am writing Complaint due to the fact XXXX, Transunion and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to Transunion ; Transunion continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and Transunion fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date Transunion still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, TRANSUNION and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly 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 2022-07-07 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: TX

Complaint narrative:
I am writing Complaint due to the fact XXXX, XXXX and Experian fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX and EXPERIAN credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly 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 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Recovery Solutions Group, LLC
State: AR

Complaint narrative:
Recovery solutions ( XXXX ) sent a letter to me for a debt from XXXX XXXXears ago that was paid in XXXX. The original balance of the debt was over XXXX but under XXXX, but recovery solutions was trying to charge me XXXX for this old debt that was past the statue of limitations. I advised XXXX ( XXXX ) the debt had been paid to XXXX, and XXXX also has no record of said debt. I also asked for validation which she said she did not have as XXXX archived said debt. My XXXX XXXX is over XXXX so I did end up settling ( again debt was paid in XXXX but being over XXXX  years I did not keep record of that ) for XXXX. When I brought up that XXXX has no record I was threatened with court and all the charges for the court process. Also, the only communication I received was a letter that did not have XXXX on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: AZ

Complaint narrative:
The list of information as inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX 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 2022-07-07 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXX 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 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 2022-07-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Since the middle of XXXX my credit report has been reporting errors and inaccuracy that XXXX HAS NOT BEEN ABLE TO OBTAINED AND SECURED the correct verification of the correct status of the tradeline for XXXX. From XX/XX/XXXX I have made multiple attempts to be able to connect with the right party who can assist on this matter. The investigations completed on this tradeline have been verified as accurate and then after a re-investigation the information disputed was deleted since transition was not able to verify took it upon themselves to just marked as unknownn because the furnisher was not able to verify the information disputed. Both parties in concert have been giving me the run around and blaming each other for the inaccurate status of the tradeline. I also disputed the information directly with the furnisher via phone multiple times, via cert mail signature required/receipt and to my surprise the person who signed the label does not even exist in the employee directory ; now they are hidding and avoiding to provide the documents that are needed to verify their mistakes in the payment status of the tradeline. My rights have been violated and even after putting both parties on notice, they continue to do so. I am entitled to fair credit reporting and equally among every consumer, I feel ignored and discriminated since nobody seems to be able to fix or care ; hoping that I will go away. I have exhausted all my efforts and now reach out to the CFPB to help on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I received a letter from the IRS on XX/XX/2022 stating there was a possible employment related identity theft. I placed a fraud alert on my account. I then received two letters from USAA in, but the letter was dated XX/XX/2022. They were both a notification of bank account closure. I have never opened an account with USAA. I called the company, and they wanted my social security, which I did not give because I was very uncomfortable. I believe there is fraud on my account, and someone other than myself opened two USAA accounts under my identity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kingston Data & Credit International Inc.
State: TN

Complaint narrative:
I bought a car from XXXX in XXXX Delaware. I only had the car 30 days and transmission went up. The car was over heating and I called them they told me to drive it that it would be fine but the transmission blew due to them making me drive it. There is a lemon law in that state. They called me several times and threatened me and my boyfriend that if we didn't pay they were going to sue me when it was there fault. They even offered 2 pay for the work because it was there fault then when the place called and said how much then that's when they wanted me to pay.

Company response to consumer: Closed with explanation