vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation
State: OH

Complaint narrative:
I was told by this company that I needed to set up a payment with them in order for my loan not go into default. I did I set up $ XXXX  monthly only now to be told that my payment plan was cancelled after the making the first payment. I requested a refund only to just be told NO without any reason because I shouldnt have them and the original creditor also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unresolved Issue with JPMorgan Chase & Co . 

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance and urgency regarding an unresolved issue with JPMorgan Chase & Co . I have encountered significant difficulties in my attempts to retrieve funds held by Chase, and I believe that my rights as a customer, as well as banking regulations, are being violated.

The issue in question pertains to a cashier 's check that I deposited into my JPMorgan Chase account. The cashier 's check was issued in the name of my brother, " XXXX XXXX, '' and I had explicit authorization from him to deposit this check into my account. Following the deposit, I requested that Chase return or issue the cashier 's check to me, but the bank has been uncooperative and has failed to resolve this matter despite numerous attempts at communication. 

I initially provided my brother 's phone number to Chase as a means of verifying his authorization for the deposit. However, the bank refused to contact him through the provided number, claiming it was not registered with major carriers such as XXXX, XXXX XXXX XXXX, or XXXX. I explained that my brother uses a prepaid phone plan, which is likely the reason his name does not appear in these databases. I suggested that Chase contact XXXX XXXX, the issuing bank of the cashier 's check, to verify my brother 's name and information, but this alternative was also rejected by Chase. 

Chase 's insistence on only using a phone number registered in my brother 's name is highly suspicious and raises concerns of potential fraudulence. The bank 's failure to explore alternative means of verification, such as contacting XXXX XXXX, is both frustrating and inexplicable. 

I have also lodged a complaint with Chase regarding this issue, and the complaint number is " XXXX. '' I trust that you will find this complaint in your records, and I hope that this information will assist you in addressing this matter more effectively within Chase 's internal complaints system. 

I believe that my rights as a banking customer are being violated, and this situation is in clear contravention of banking laws. The inability to access my own funds, despite having provided all necessary documentation and authorization, is both unreasonable and unjust. I kindly request your assistance in resolving this matter with Chase and ensuring that my rights are upheld, and banking regulations are adhered to. 

I appreciate your prompt attention to this matter, and I look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX for any further information or clarification required. 

Thank you for your assistance in this regard. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Some company has that I have not conducted business with has reported a debt on my credit report. The credit reporting agencies said they only ask the reporter if information is accurate. They do not require any proof of debt. How can a company say you owe a debt without proof? Moreover, the agency is asking ME to provide documentation showing I do not owe a debt from a company I have never heard of. Basically the agencies are not investigating at all. Why should consumers have to spend money hiring attorneys to prove our innocence? This process is abusive to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on Experian they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, TransUnion and XXXX. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, XXXX and Equifax. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Constant phone calling. Multiple times a day, multiples times in 7 days. In some days like below the debt collector called twice every hour for a couple hours. Here is the call log within the last two days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am literally being reprimanded at my place of employment due to these calls. I have attached call logs for your reference. This is a violation of the law. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
With EdFinancial moving websites, they prompt users to create a new account in order to access their loan information and make payments. The problem is that when I attempt to create an account, the website brings me to an error page and simply tells me to try again later. Despite trying again the next day, the problem persists and I'm no step closer to accessing any loan information from the servicer or being able to actually make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
There are inquiries on my consumer report that are not authorized. I asked the credit company to investigate and delete and they have not respond or left information on my report. 

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 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 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I dont recognize few accounts on my credit report and Just noticed it on my creditr report as a Collection theres three open XXXX credit card and XXXX Telephones companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX I was denied business credit after applying for a credit card for my business XXXX XXXX XXXX XXXX using my IRS issued EIN number with American Express XXXX XXXX XXXX card. I then received letters from American Express for both of the aforementioned dates in which American Express explained why they can not approve my application at this time. American Express denied my business credit card applications because they stated that I had canceled previous accounts with them. Both letters indicated I could contact them and try to qualify for a new car in the future by submitting an application at a later date. When I was initially denied on XX/XX/XXXX of XXXX, I waited almost 8 months before I re-applied again on XX/XX/XXXX in an effort to follow the instructions of American Express to which they indicated in their denial letters for me to submit an application at a later date. I followed their instructions and again my business was denied a credit card for the American Express XXXX XXXX XXXX card for a second time on XX/XX/XXXX. 

Back in XXXX, while I was married I did file for bankruptcy with my husband at the time and everything was written off for the personal American Express credit cards that we shared together. However, Ive never previously had an American Express business credit card. I am pointing this out to state that both attempts for me to apply for the American Express XXXX XXXX XXXX card is for my business only and not for a personal use credit card. I feel that American Express is discriminating against my business because of my past personal credit cards that have been paid or previously covered under my personal the bankruptcy more than 13+ years ago. Again, I am emphasizing that I applied to American Express under my legal business in order for use for business transactions, not personal use. I strongly attest that American Express refusal to extend credit to my legal business is discriminatory and they are using my prior personal credit/prior bankruptcy as reason rather than the creditworthiness criteria of my business credit. For these reasons in good faith I am submitting this formal complaint about these illegal practices in determining my business ability to obtain credit through American Express. I am including both of the rejection letters for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit planas 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
reach out to the company to send proof of application to of sign signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
reach out to the company to send proof of application to of sign signature

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I used my Apple Card to purchase two tickets for a local concert. When I attempted to use my Apple Card I received an error from XXXX saying my payment couldnt be processed. So I waited a minute and tried again. The second time the purchase was successfully made ; however, I was charged twice. I attempted to resolved this with the ticket company ( XXXX ) they submitted a request for refund but I never hear from them again. So I tried again with the ticket company. They submitted a second refund request. I never heard back. So I went to XXXX and disputed the additional charge. They replied that I intended to purchase all those tickets which Im fact I had not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I received a letter from Experian last month round XX/XX/XXXX cause I purchased car over 7years ago and the car had major problems so the mechanic guy came and pulled it to his shop and somehow he ended up keeping the car I XXXX XXXX and they say the title is with the company XXXX XXXX but somehow the mechanic got the car and it's on my credit it's stopping me from getting loans cars etc they say I owe but I dont

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY CREDIT SYSTEMS INC
State: MD

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation