vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: NJ

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased an item on XX/XX/2023 in the amount of {$1600.00}. I tried to return the items & couldn't. I disputed the charge with XXXX XXXX and the dispute was not resolved in my favor. I've paid for this. On XX/XX/2023 I was incorrectly rebilled the amount of {$1600.00} for the same company. I contacted XXXX XXXX and XXXX them about this inaccurate duplicate rebilling and was told that they had to open another dispute. I've not been given any conditional or other types of credits. I've not been given any assurance from XXXX XXXX that I won't be responsible for the duplicate rebilled charge and I don't trust them to accurately investigate this situation. This is an error on XXXX XXXX part. 



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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
This is a fraud claim against a XXXX XXXX. Their office burnt down and one of the owners stole all the insurance money in which I never received the dental procedure- dentures, and they made a FALSE CLAIM for a collection of @ XXXX - I NEVER RECIEVED THESE SERVICES. Not only that, she also didnt distribute any of the insurance proceeds to any employees and fired them! The false claim was reported to the credit bureaus by XXXX XXXX XXXX, XXXX. Now located at- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXt collection refuses to provide any records of any services THAT WERE NOT RENDERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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:
My credit report has been used improperly by the credit reporting agencies Transunion, XXXX and XXXX. I did not give written consent for the reporting agencies to use my information this is a violation of 15 U.S. Code 1681s-2. I noticed the improper use on XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: DC

Complaint narrative:
I have been a victim of Identity theft while XXXX, Equifax and XXXX is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: DC

Complaint narrative:
I have been a victim of Identity theft while Experian, XXXX and XXXX is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed 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 non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I will disclose further details if or when necessary, however, I sent a few payments to an unknown individual using my PayPal cash card. The payments were for an introductory meeting/payment for my security deposit and first night rent of the home I was negotiating to stay in. I discussed the details of my business and what other services I might be able to help her grow her business with, but essentially the agreement was my payment to her for security deposit and 1 night stay at her residence until further " lease '' terms were intended to be negotiated. 

The woman in question is not my associate, nor have we ever met in person, but after convincing me to send one payment after another I had sent several payments to cover the deposit and " rent '' for the night as well as negotiated a meeting to discuss business ventures. 

However, after multiple successful deposits sent to her from my paypal account I was given a physical address to meet in person and was blatantly lied to. The woman never answered the door, the house appeared to be vacant and I even jeopardized my safety by spending money i could not afford to cover my shelter cost for the evening. 

I tried to dispute these charges and transactions with PayPal with whom, I have had my account active since XXXX and almost NEVER have I filed disputes. My dispute including the following : " This person scammed me into a few payments that were supposed to be for a deposit on a rental of a house and they never delivered what they promised me whether I made several payments they demanded upfront '' However, they responded a few days after disputing said charges with the following comments : We've closed this case as our review showed that this transaction was processed correctly and an amount of {$50.00} USD was successfully transferred to the XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. 

Transaction ID 's Transaction ID XXXX ( {$52.00} ) Transaction ID XXXX ( {$100.00} ) Transaction ID XXXX ( {$52.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
my account was suddenly been closed without any advice or phone call they did mentioned its already closed when i was by chance i went to the bank and request a deposit slip form the main reason that they closed my account they are verifying the pay check that i have deposited and what they did is closed the account and removed all the funds that i have on that account without notification or email. they have closed my account XX/XX/2023 the action that they did is just provide me a number to call on i did call the number is a customer service and they told me they are on the process of verifying the check that i have deposited but the verified number they have is not responding to their call until no one answer to their concern the fund that i have on my account stay with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Caine & Weiner has been notified of their abuse to me as a consumer and their violation of my rights according to the Fair Credit Reporting Act, at the address they have provided to XXXX and XXXX below via certified mail received XX/XX/2023 at XXXX. 

Caine & Weiner XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act Caine & Wiener has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

They have 15 days to rectify this matter. This is just documentation for the lawsuit they will receive XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: IL

Complaint narrative:
Hello, I had IDES benefits sent to me through Key2Benefits/Keybank. They allowed online transfers. Now they don't for some reason. When I use the ATMs they only allow withdrawals of {$20.00}. I want my remaining money. It is {$17.00}. I call Keybanks customer service line and it hangs up on me. I called like 20 times. I tried to send them a message. It gives me an error. Please help me get the rest of my funds back. Them holding it is theft. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have submitted this complaint before. It was not handled properly. Please help me getting my money back. 
In XXXX, I visited a business, paid via XXXX in PNC app. The business said the transaction did not go through and they showed me their phone. It showed on my end, it did go through. I called PNC right away to stop the transaction or freeze funds. The Rep told me to just dispute the transaction. I did so per her instruction. I got a letter saying the dispute was denied. I escalated. I got a call today, XX/XX/22, and the Rep said a bunch of meaningless words, XXXX XXXX, and nothing was changed. I don't know what their investigation consisted of. Also, a bot, at the end of the online chat asked me if I wanted a chat transcript, I supplied my email, never received it. XXXX!! Pitiful business practices! They don't care about their customers!! I see they have poor reviews from other customers too. 

XXXX XXXX XXXX ) XXXX My checks are under XXXX XXXX at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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 list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Hard inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt give written permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: NV

Complaint narrative:
I want to file this complaint to EXPERIAN. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: PA

Complaint narrative:
PLEASE REFER TO MY IDENTITY THEFT AFFIDAVIT! 

I AM A VICTIM OF IDENTITY THEFT! THIS ACCOUNT DO NOT BELONG TO ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I refinanced my CHASE mortgage, with CHASE, in XXXX XXXX, I was told numerous times, that I would get an interest refund each year. The pre-requisite was that I have the payment paid directly from my checking account and could not be paid by check. I have been doing this ever since. In XXXX XXXX due to the serious medical condition of my wife I had to do elder care planning which resulted in asset transfers, XXXX XXXX XXXX being established. I thought the mortgage payment had to be made through the LLC account so I had the payment drawn from my XXXX XXXX account. All I did was switch from one CHASE checking account to another. In XXXX XXXX I asked what happened to the {$350.00} I was supposed to get in XXXX. In a long phone call to the CHASE mortgage department, made by the CHASE branch where I bank, they told me I had signed a form stating I had to pay from the checking account I had at that time. When I asked for a copy of that form they admitted they had no such form. They, then, claimed I was told the payment had to be by ACH. That's not true. They wanted to make sure I understood the payment had to come from the account directly and not by check, so they told me so numerous times. They never said it had to be paid by ACH-specifically, I have paid, and continue to pay my mortgage DIRECTLY from my account and not by check, CHASE is unfairly and unjustly withholding my annual rebate. I am an XXXX XXXX XXXX person dealing with more stress than is healthy without this unfair aggravation. I hope you will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
i am sending this in dispute of lendmark financial. now i find the new interest rate on a loan to be over 37.47 %, they also claim they explained the loan terms to me. yes, but they did not disclose the interest rate to me. they never do and i never paid it any attention until now and now i am concerned. Plus they kept sending out new loan invitations back to back in the same month to me in my emails. i was supposed to wait six months before this happened but it didnt, so they baited me into getting a higher loan amount which is strange and weird. loan companies should be reprimanded for doing that to customers and getting them higher interest rates and more debt

Company response to consumer: Closed with explanation