vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of last year, 2021 my friend asked me to help find a XXXX XXXX car that he would like to purchase for his use. I found one with XXXXXXXX XXXX XXXXXXXX and on the XXXX of XX/XX/2021, he paid a deposit of {$2500.00} over the phone directly to XXXX XXXX XXXXXXXX from abroad. I went to XXXXXXXX XXXX  XXXX to get the Purchase Agreement on the XXXX of XX/XX/2021 for the total amount due. My friend Flew into XXXX on the same day XXXX of XX/XX/2021. 
On the XXXX of XX/XX/2021, I went with my friend to my bank, CHASE bank to speak with the bank staff. I told them my friend was going to buy a car and will be transferring large sums of money into my account. They said it was ok, that it should not be a problem. The deposits came in {$10000.00} ; {$35000.00} ; {$29000.00} and {$32000.00}. I asked for a counter cheque of {$50000.00} to pay to XXXX of XXXX which the bank issued while we wait for the rest cheques to clear, but to my surprise, the bank closed my account on the XXXX of XX/XX/2021 without any correspondence. Not a letter stating why. I went to my branch and called severally. They said they had issues with 2 deposited cheques and asked for the person who paid them into my account. I gave them the person 's number and he has confirmed the bank called him and he has given them the information they required. I thought this was going to be resolved in a couple of days. Here we are One year and 5 months, they have not released my money totalling {$65000.00}. I have had to borrow from a friend who paid the balance to purchase the car directly to XXXX of XXXX. 
I think this unfair and discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Greetings Sir/Madam, I am writing to obtain assistance from the CFPB to recover the absorbent amount of fees charged to my account. As of today, XXXX XX/XX/2022, I have been charged in excess of 9 overdraft fees at {$36.00} each. I have a checking account with Truist Bank ( formally BB & T ), and this institution previously announced that they'd eliminated overdraft fees. To add, the Truist website clearly advertises that there are " {$0.00} overdraft fees '' ( see the attached ). This is heavily promoted in their marketing for checking accounts for all customers ( past & present ). As a consumer, it is incredibly confusing to be charged fees when the commercial messaging states that fees have been eradicated. So, there is a misleading narrative that must be challenged. When I tried to get this remedied, I was given excuses which presents a support failure. Currently, I am in the process of XXXX overseas and I have been preparing for my departure. To help with keep costs low & reducing my financial burden, I would like to be refunded for those fees as I can not afford to absorb the totality of the fees. Please advise if there are questions. I can be reached via email at XXXX or via telephone at ( XXXX ) XXXX. Thank you, 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 monetary relief
Consumer complaint received 2022-10-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

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 2022-10-11 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:
My checking account was used to pay off several different credit cards from my Chase checking account. The payments were paid so available credit would be issued, to use my card fraudulently. The bank has initially credited my account and now has taken the amount back out. I did not authorize these charges the bank will not refund my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery associates does not obtain a legal license to collect any debts in newyork state they have illegally attempted and has illegally impacted my credit score which has caused XXXX and extreme mental stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management Does not have the right nor do these company obtain the a legal license to collect in newyork state they have damaged my credit by fraudulently attempting to collect debts in a state that they do not obtain a license to collect from this has caused extreme mental stress from these illegal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Data and Contact Management Solutions, LLC
State: CT

Complaint narrative:
My father passed away and they sending me XXXX  letter stating to mad estate he has no estate and Im not his estate holder because my dad had nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of XXXX mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a 30-day late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and XXXX Mortgage refuse to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: OH

Complaint narrative:
XXXX XXXX sc XXXX XXXX. States I have the right to privacy. 
XXXX XXXX sc XXXX XXXX. states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 
In accordance with credit reporting act the following accounts on my report violates my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Through certified mail I have reached out to Experian on several occasions. I must admit I have had a terrible experience with XXXX and Experian through this whole ordeal. XXXX furnished information on my consumer report that wasn't 100 % accurate and Experian refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Experian to specifically send me the signed documents they have on file concerning the account. I have reached out to XXXX without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them. I believe XXXX misrepresented the auto loan given to me by using predatory and fraudulent actions such as miscellaneous fees and it shows in the furnished information given to credit reporting agencies. I am making this complaint due to Experian failing to uphold the rights of consumers and not properly handling the information with proper procedures when given to them by me ( the consumer ) but only parroting what companies that aren't even reputable are giving them as accurate information.

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 2022-10-11 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-11 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
there is an unauthorized credit enquiry by XXXX bank on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NJ

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

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 2022-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, Last month I received notification on my Equifax report that my credit score dropped XXXX points from XXXX to XXXX. I checked my credit report and noticed an open account was listed under XXXX with a balance of over {$20000.00}. This is fraudulent and I conducted an online dispute with Equifax, but after their investigation they would not remove the fraudulent account, stating it was legitimate. I called the XXXX 's customer service number ( XXXX ) on XX/XX/XXXX and spoke with XXXX ( Operator ID XXXX ) and explained the problem. She confirmed that there were no active accounts currently open in my name with XXXX, with the only account listed was a closed account I had from XXXX. I told her that I have a pdf with the results from Equifax where they stated I had an open account and a {$20000.00} balance, and she informed me that I needed to mail this information along with a letter in writing to this address, which I did to the address below : XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX Delaware XXXX I then called Equifax directly after that ( again on XX/XX/XXXX ) and was told that they only thing they could do was to dispute the dispute. So I opted for that route and was told it would take another 30 days ( dispute # XXXX confirmation # - XXXX ) I don't know where else to turn, but I have literally spent now over 13 hours between research, holding on the phone and talking with various people ( in addition to placing fraud alerts on my account ) and I have gotten no where. XXXX 's literally has stated they have no open account in my name in their system, yet Equifax refuses to do anything. Please remove this fraudulent activity from my credit report. The Equifax dispute report that shows the account information is attached, with a summary below. 

Last 4 of account number XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX- {$20000.00} XXXX XXXX- {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/22 Square loans pre-approved our business XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an XXXX XXXX in the amount of {$2700.00} with a repayment term of XXXX percent of our daily credit card sales usage daily to pay back to loan. This was based off credit cards taken with a Square terminal during the periods of XXXX through XXXX that we've done. Based off transaction history. 

On XX/XX/22 we got an email from Square loans requiring more information. Connected through our account we had an XXXX that we dissolved when we formed the XXXX XXXX therefore all processing history would be under the new business and the LLP would dissolve, ceasing any processing. The only reason that the account was left open, was to distinguish at the end of the year taxes for the LLP and the XXXX Square doesn't send out multiple tax forms for processing in the SAME account for businesses. 

That being said, we stated the exact reason as above that the LLP dissolved and we converted to a C-Corporation. 

On XX/XX/22 Square Capital sent an email back denying of for the XXXX because of the processing volume of the LLP and that they require us to continue processing sales under the LLP. Unfortunately as I've stated to numerous representatives is that we dissolved the LLP and only use the XXXX XXXX therefore we can't process payments as we closed the LLP. 

I got an email back from a supervisor stating that they declined the loan because of the LLP not processing volume, anymore. 

To sum it up, Square loans is being unethical and discriminatory because they are basing their decision to deny a loan, based on a business that is no longer in business an dissolved. As we've told them numerous times, we can't process under the LLP anymore. It has to be done under the XXXX XXXX which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Square knows this 100 % we informed them promptly when we formed the Articles Of Incorporation for the business, therefore the Square loan would be transferred to the new business. In which we will be done paying that loan within this week. 

They are basing our loan information and decisions on a company that we no longer have, therefore is the reason for the decline. 

The pre-approval also that was sent was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX. 

Therefore our business based off the processing volume was pre-approved from the Corporation, not the LLP. 

The loan offer was unethically evaluated and discriminatorily judged based off an dissolved business. We have constantly paid off our loans with Square in a timely manner and way before the dates given when the loan would come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: OH

Complaint narrative:
15 u.s. sc 1681 602 A, states I have the right to privacy.

15 u.s. sc 1681 604 A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

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 explanation