vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : 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 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My account was accessed from chime over XXXX was used of my money I submitted a claim that was denied again.i put in a rebuttal and it was denied I have police reports and proof I was incarcerated between the dates of XX/XX/2021 until XX/XX/XXXX XXXX purchases made were fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been fighting this collection for 2 years and they continue to violate my rights as a consumer. I have submitted all documentation to XXXX and the Collections company that this debt is not mine yet they have not shown me where this debt has been validated. No signature of mine on any contracts. 
They have refused to remove this collections. I have been told by several attorneys that this collection company has the credit bureaus I. Their pockets. 
I am prepared to file suit all the way to Supreme Court because they are violating me as a consumer.

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a chase card and have had autopay for years on it, I paid off the card and had the annual fee charge my card around the same time my husband was hospitalized for XXXX  which set into XXXX. I have autopay on all my cards and for some reason the reporting agency from chase said " your autopay did not go through because your account number came back invalid '' this is the same account number I have always used and nothing has changed and it rejected the payment shutting off autopay. They attempted to mail a notice they said, but it was to our old home address so I never received the notices. I was helping care for my husband during the time they attempted to contact me at my old home address and I never received a phone call from them once saying that my account was past due. I happened to just login to my app that month and then noticed it was late and paid the full outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/XXXX Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX  Account Number XXXX, opened XXXX, Closed XXXX2020.15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Equifax to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is violating the united states codes and should delete these items off of my consumer report or face legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

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 2022-03-03 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: MD

Complaint narrative:
I was looking at my consumer report before I apply for a new house and noticed inaccurate and fraudulent account on my consumer report. This is ruining my life, I am unable to apply for certain things due to the inaccurate information on my account. My identity was stolen, and it is pretty scary knowing that someone has misused my information without my knowledge or authorization

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 2022-03-03 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: CA

Complaint narrative:
I spoke to Equifax today and they advised they will not accept the FTC report and rejected it as the inquires I disputed does not have a date listed. This is absolutely ridiculous! I was affected by their data breach and yet they will not correct the fraudulent information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called and tried to resolve these late payments showing on either of my CITI accounts. I was in deferment due to COVID and they are violating the CARES Act.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: WA

Complaint narrative:
My Upgrade Rewards checking account was credited XXXX cents as cashback for the month of XXXX. I received an email notification on XXXX at XXXX XXXX  that the amount was credited to my account. But that amount never showed up. I contacted Upgrade  by phone on XXXX and the service representative had no idea why the amount wasn't showing up and asserted that they could do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My mother is XXXX XXXX XXXX. Her account was compromised due to fraud. A detective from M & T bank contacted me in XX/XX/XXXX to tell me there was money being laundered from her account. My mother took out credit cards to pay the thieves from her account.. The tellers at the bank allowed an XXXX XXXX XXXX women take out credit cards totaling approximately {$11000.00}. M & T was aware of my mothers financial status. She is now in {$11000.00} debit to M & T bank. I believe M & T has predatory lending practices and we would like to have the credit cards discharged. She has already paid approximately {$3500.00} in credit card bills to M & T. 
I have contacted M & T on numerous occasions XXXX, XXXX and recently in XXXX. I have called on behalf of my mother and the matter has not been resolved. 

Your attention to this matter would be appreciated. 

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 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2022-03-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my XXXX XXXX and it has dropped my XXXX XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against Transunion for XXXX disparities for their credit reporting practices against minorities. My XXXX XXXX dropped then too.

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Previous Complaint # XXXX was closed without allowing me to provide counter input related to the company 's response issued on XX/XX/XXXX. 

In the response letter ( reference # XXXX ) from company, the company argued that " when there is a request made by one of our Card Members to refund a credit amount, we process the request, if the minimum payment is satisfied, we will honor the request. When you requested the credits back from us, there was no reason to decline your request. '' However, what I requested on was to REFUND the available credit on my account, and I NEVER asked for CASH ADVANCE for extra credits than should/ could be refunded. By legal definition, REFUND means to pay back by the party who has received it, to the party who has paid it, money which ought not to have been paid. On XX/XX/XXXX when I requested for REFUND, I was instructed by customer service representative that {$33000.00} was the AVAILABLE credit balance that could be REFUNDED. If that was the correct amount could be REFUNDED, I would not have owed anything from the bank and I would not have been charged {$8900.00} in next statement to pay back American Express. The fact that American Express asked me in next statement for {$8900.00} to pay them back implied that American Express representative either provided wrong information about the available credit balance that could be REFUNDED, or incorrectly interpreted my verbal authorization for REFUND and approved / processed a large amount of debit off my account which is {$8900.00} more than the available balance that could be REFUNDED. Such amount of {$8900.00} should have been processed as CASH ADVANCE transaction, which I never asked for or authorized. 

Therefore, I argued that the {$8900.00} should have been a CASH ADVANCE transaction which I never asked for or authorized. It was processed as bank error and the bank should waive any interest or fee associated with such error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: States Recovery Systems, Inc.
State: FL

Complaint narrative:
The reason for my complaint is XXXX was not completed to my satisfaction. 

How does SRS have standing when the documents they sent you does not have a contract to collect from original creditor? What authority do they have? 

How did State Recovery Systems ( SRS ) verify I owe them money on a debt? 

I deserve to know the method used to verify this debt. I demanded original wet ink signature on application, not provided. 

Look at the documents they uploaded. There is no contract between SRS and the original creditor. 

How can they verify a debt that they have not proven is owed to them? 

Is this a violation of FCRA 1681 and section 609? FDCPA? 

Also I sent them a certified notarized letter that states that I do not recognize the signature on the contract that was claimed to be mine on a contract, I did not sign that, it is not my signature on any application and someone forged my name. 

Please have them remove negative reporting to 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax continues to report inaccurate and incomplete information on my credit file. The furnishing company as addressed and corrected the account with the other bureaus. However, Equifax continues to report after making aware of the discrepancies. They close disputes without getting account information from the furnisher as the furnisher is aware of the missing information and has stated that they've provided it to Equifax. 

The status, payment history, or payment rating on this account is not correct. 
The date of first delinquency on this account is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something FedloaXXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Capital One # 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 consent.

15 U.S.C 166b : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Account is 7 to 10 years old with a {$0.00} balance Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2022-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple dispute attempts to remove negative and inaccurate 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 2022-03-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit score and it has dropped my credit score by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My credit score dropped then too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit XXXX and it has dropped my credit XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My crediXXXX XXXX dropped then too.

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