vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XXXX continues to charge my Chase card after the card has been removed from the app and after I have called them ( XXXX XXXX ) and have disputed multiple charges on my credit card. I was told when I called XXXX they removed the card from the account. Since then, I have been charged a total of {$140.00} over 5 transactions. 

Previously, I tried to contact chase and have my card number changed so XXXX was unable to charge my account. I was told by Chase they could not stop these charges with a cc number change because XXXX has a deal with retailers to automatically provide the new card number. 

I have exhausted my options and want these charges to my card to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
on XX/XX/2021 XXXX XXXX obtain a copy of my credit report with out my permission i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
My statement closed on XX/XX/2022. Barclays stated that my rewards of {$41.00} were redeemed and sent to my XXXX  XXXX XXXX personal checking account. As of today, XX/XX/2022 no funds have been received and Barclays has refused to interact with me regarding this and are completely disregarding my concerns. They are illegally holding my rewards and are refusing to provide proof that my rewards were sent to my bank 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 2022-08-18 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, *** has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 2022-08-18 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: GA

Complaint narrative:
15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A 1XXXX XXXX  XXXX  Original creditor : XXXX XXXX  XXXX  XXXX  Balance on XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit grantor 's internal collection department 2XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 3.XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$14000.00} Account info Account number-XXXX  Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 4.XXXX XXXX  XXXX  Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account number-XXXX Account status-Closed Date opened-Jul XXXX, XXXX Account type-Credit Card 5.XXXX/XXXX  Account info Account number-XXXX  Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card 6.XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account number-XXXX  Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card 7.XXXX  XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account number-XXXX  Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card 8.XXXX  XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account number-XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card

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 2022-08-18 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: OR

Complaint narrative:
I noticed my credit rating went from the low XXXX, to low XXXX so I checked my credit report. Theres a collection account with a balance of {$370.00} listed with a collection agency called XXXX XXXX that has a date of XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX The original debtor is XXXX XXXX 
All of the information above is provided on the credit report. 
I called the phone number above. Someone answered but told me to call a different number XXXX. Its an automated system that asked for information to look up my account. I confirmed personal details, including the last 4 of my social. I thought it was trustworthy because its a record on my credit report. I was disconnected 5 times and couldnt speak to a representative. 
The credit report now shows a new personal address for me thats in Texas. Ive never lived in texas. It shows that the collection agency added it for me. 

A few hours later I got a message from ( XXXX ) XXXX that said that a law firm is going to place a lien on my house because of a past debt. The message gave me a new phone number ( XXXX ) XXXX for XXXXXXXX XXXX XXXX. I called and basically he was trying to get me to pay a settlement of {$5800.00} which is half of what he says the lien will be. He wanted me to use a bank card of some sort to pay the settlement. He had all of my personal information including the last 4 of my social. It was just after I confirmed that info with the collection agency from my credit report that he called and had all of this info. He sent me a docusign email that was from client services. I never clicked on the link to go further. He became angry whenever I asked him to confirm that hes from a law firm like he says and its not a scam. I eventually just hung up on him. He called back right away and I answered just to be able to hear him be angry about that so I could hang up again. He called 3 more times, but I havent heard from him since. 
Sorry for the long explanation. But I figured the more details is better. 

I disputed the claim on my credit report with Experian. 
I think both are scams and maybe one was phishing for the other.

Thanks

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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 2022-08-18 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: MO

Complaint narrative:
This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: AZ

Complaint narrative:
I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America recieved a legal order to garnish my bank account XX/XX/2022 for the amount of {$2000.00}. The requested return date was 30 days later XX/XX/2022. Bank did not start processing until XX/XX/2022. They were able to capture {$46.00} on/or about XX/XX/2022. After that date, I no longer had access to any funds in my account. All funds were held until I called on XX/XX/2022 to see why the order was still going after the original garnishment amount of {$2000.00} was captured. I was told that a mistake had been made and the funds would be returned to me in 24-48 hours. They also stated that the account hold would be taken off. At that point {$2300.00} had been held. On, XX/XX/2022, Bank of America returned {$820.00} to my account while simultaneously creating a check for the garnishment in the amount of {$1400.00}. This order was not a continuing garnishment and all funds should have been returned to me. They lied and said that the {$1400.00} was in my account. There was never that much in the account in XXXX or XX/XX/2022. I've called Bank of America almost daily since XX/XX/2022. I went into a branch on XX/XX/2022 to be told that I'd need a lawyer to get my funds. 
I have not been able to make a formal complaint, talk to anyone in their legal order dept, or get a resolution to the issue. This now causes me to have to make payments to the creditor to finish out the garnishment.

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 2022-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
You have helped me before with this situation. I made a purchased through XXXX  who uses Synchrony Bank to handle their credit services. My payments were not being posted and they made a comment on my credit report. The company was able to resolve the issue and started posting the payments appropriately.. This month they stated they did not receive my payment again. It was sent out on XX/XX/22 and cleared the bank. When I called to explain this happened before and it was on their end, they keep saying they did not receive the payment. I have one more payment to go after this one. It is almost paid off. The offer was 12 months same as cash and I am paying it off earlier. I do not want them to make me pay back interest.

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Contacted each credit bureau because of false reporting lack of investigation an credit dropping significantly causing denial an confusion.

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 2022-08-18 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: MD

Complaint narrative:
Contacted each credit bureau because of false reporting lack of investigation an credit dropping significantly causing denial an confusion.

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 2022-08-18 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: IN

Complaint narrative:
To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting company aware of the violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) have 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 an account without my written instructions. 

Thanks in advance for your assistance in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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:
All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: MI

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-18 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: MO

Complaint narrative:
This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank 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