vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: NV

Complaint narrative:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary Equifax XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX  : XXXX XXXX  XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: FL

Complaint narrative:
Chase closed my account, after I transferred money from an account that I am a writer on, to my Chase account. They said it was fraudulent. XXXX XXXX XXXX XXXX XXXX said I had every right to transfer the money out of the account, to the Chase Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
The summer of XXXX XXXX XXXXXXXX I purchased a brand new XXXX XXXX. The engine has problems within the first two weeks of driving. The first issue the sensor engine was loose. The service worker XXXX was very rude and nasty towards me attempting to pick a fight. At the same time I was in the middle of experiencing homeless and about to lose my job. I was provided with their XXXXXXXX XXXX from enterprise with their 36 month warranty while fixing any problems. My engine blew within the next two weeks completely and I was placed in another rental ( XXXX XXXX ). I then asked for a complete vehicle replacement or refusal to pay the car note. I was not granted with another vehicle. I then learned about Lemon law, looked into the issue, after that the sensor came off again. Right after I called in for the last time which would have been the 3rd attempt to fix the vehicle. I had an appointment XXXX that day and someone repossessed my vehicle with all of my things in it XXXX that morning. Chrysler Capital agreed to lower the payment. 1, I should not have to pay this at all and finally I was discriminated against as a single XXXX woman. 
The Chysler Capital lowered amount is still unreasonalble. I went back and forth to the dealership trying to get the engine fixed and as I mentioned no payment was made to the brand new ( Lemon vehicle due to complication ). The dealership towed the vehicle after my 3rd call about the engine burning up with smoke. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have an account at Chase Bank, XXXX XXXX, XXXX XXXX, MI and have been trying to obtain funds from a check dated XX/XX/XXXX for XXXX euros from XXXX XXXX and Co drawn on the XXXX XXXX Bank. This is inheritance money from my deceased mother. 

XXXX have confirmed that the funds have been sent XX/XX/XXXX, and accepted by Chase on XX/XX/XXXX. However, the funds have not been placed in my account. I call them regularly but they stonewall me saying that they need to talk to the Irish bank. Chase says they are working on getting the funds but nothing has happened since XX/XX/XXXX when the money was transferred ( see attached document ). 

The Banker who I was dealing with is XXXX XXXX. 

sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased furniture from the XXXXXXXX XXXX XXXX store in XXXXXXXX XXXX  I was offered 24 months free financing from their bank, Synchrony. We ended up returning a piece of furniture and replacing it with something else. In the end, I had XXXX interest free promotions on my account, XXXX for 24 months and XXXX for 6 months. The 6 month promotion had a starting balance of about {$1100.00}, so I paid synchrony {$200.00} / month to pay off the 6 month promotion in 6 months. I was recently hit with over {$250.00} in interest charges. When I called Synchrony, they said that my payments were being applied to both promotions, so I did not pay off the 6 month promotion. I was charged 30 % interest on the full balance from day XXXX ( over {$250.00} ). Synchrony was unempathetic and rude when I called. This was not made clear to me when I was offered the financing. The statements from Synchrony do not clearly state how this works. There is also no option to pay off the promotions separately. They are lumped together on the statement. This practice is deceitful and designed to mislead consumers. Additionally, while the interest rate may be allowed by law, 29.99 % is also obscenely high.

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 2022-11-05 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-11-05 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: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter from Resurgent  stating XXXX XXXX XXXX XXXX SOLD my personal and private information to them on XX/XX/XXXX and to LVNV Funding LLC on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
XXXX XXXX XXXX claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: NV

Complaint narrative:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX accounts were removed from credit file then erroneously out back on.

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 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Under the oath I told Wells Fargo all XXXX transactions were unauthorized but they kept humiliating me I want all documents on the basis they rejected my claim I want hard copies of documents

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 2022-11-05 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: AZ

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXXXXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXXXXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in XXXX XXXX Credit Report showing all 3 violations.

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 2022-11-05 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: GA

Complaint narrative:
I previously disputed some items on my credit file, that were unrecognizable/invalidated and Equifax claims that to have verified the items with the original creditor, I was given no documentation or solid evidence of my obligation as owning this debt to these creditors, by the original creditors or Equifax, yet somehow they claim to have verfied the items. I have notifed Equifax that these items look unrecognizable/invalid on my credit report, I have every right to believe this debt is not mine, and to ask them to validate the debt. My person information was leaked in the 2017 Equifax data breach and may have gotten into the hands of the wrong person, I have done my own research and have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
There was unauthorized transaction in my account for {$2000.00} via Amex Send. I have never used this feature and immediately reported to American Express fraud department the same day I noticed the transaction. They were able to refund some of the charges except the {$1300.00}. I reached back to their fraud department numerous times but my call kept getting dropped after they put me on hold. They keep telling me that I am liable for the remaining charges although I was not the one who made the transaction. Could you please help me with this matter? They just charged me late fees for not paying this charges. I have no other transaction in the card except this fraudulent ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with Capitol One. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request.

I requested with a second letter to capitol one to do another investigation and another letter to XXXX and XXXX to reinvestigate the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: OH

Complaint narrative:
On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to XXXX and experian to reinvestigate the request.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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.

has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX 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 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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 
has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX 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 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 2022-11-05 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover Loan accounts were removed from credit file then erroneously out back on.

Company response to consumer: Closed with explanation