vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX  has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX  has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2022-07-12 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: NJ

Complaint narrative:
I have called Equifax, XXXX, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EdFinancial Services
State: CT

Complaint narrative:
I am the victim of a fraudulent XXXX XXXX XXXX from XXXX XXXX XXXX. An account was open on XX/XX/2017 and listed my name as a co-borrower and the amount owed currently is in the amount of {$40000.00}. I filed a police report and filed a complaint with Ed Financial the servicing company of the account. 

There has been no resolution to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Westlake Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, I have a plethora of unauthorized hard and soft inquiries reporting on my credit profile, a few are from one company and others are from some I wasn't even aware existed. The amount of inquires leads me to believe my credit may still need fraud protection which should be in place on two of the three bureaus.

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 2022-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-07-12 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Was not notified of investigation status or results
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " XXXX XXXX XXXX XXXX' on our behalf. Chase issued a check. On XX/XX/2022 XXXX XXXXXXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ''. Since we nor the XXXX XXXX know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to XXXX XXXX XXXX  ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase 90-120 days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid XXXX XXXXXXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. XXXX chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I can't login to my Robinhood bank account because an sms code is required to be sent to me. I don't have a cell phone. I want access to the money in my account. It doesn't appear robinhood has a phone number to call. You can request a call but you have to be logged into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: DISCOVER BANK
State: IL

Complaint narrative:
I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now XXXX and I should have access to use my credit card. This is discrimination toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
A personal load was opened up by 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 2022-07-12 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: NJ

Complaint narrative:
I have called XXXX, Transunion, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I made a balance transfer from XXXX XXXX to my Bank of America card on XXXX XXXX for XXXX. BOA show the transfer and a transaction # that went to XXXX XXXX ( XXXX XXXX transferred all cards to XXXX XXXX. My XXXX card has not been paid off and it's been over a month. I have called BOA to ask, they say it's already processed they can't help me further so call XXXX XXXX. XXXX  XXXX states they can't help call XXXX XXXX. XXXX XXXX says NOPE NO PAYMENT, refer back to XXXX XXXXXXXX. I have been calling, escalating things emails and many hours spent on this and NOBODY WILL HELP ME. So now both banks are carrying my debt. I don't make much money so {$880.00} to me is huge. Please help. I have emails that state nobody will help from BOA and XXXX XXXX XXXX XXXXXXXX states they don't have the payment that BOA shows. I have attached the email for XXXX ( whom says she can't help when I call ) and the one for XXXX that states no help, and the screen shot of my BOA with the transfer complete to XXXX XXXX. XXXX card ending in XXXX whom the transfer was for is now on my boa CARD ending in 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 monetary relief
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX  has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

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 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # 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 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 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/2022 I was going to put money on my card and relized it had expired in XX/XX/2022 I never received new card before expiring Been american express at XXXX XXXX XXXX to get the card i never received, and all the wont is {$20.00} to expited the card in mail, I should not have to wait 7-10 days to get card or pay this fee, they are at fault, I have call numerous times to get this card, and they do not want to send it This is the first time I have had this kind of problem with getting my card I can use I have late fees on my bills because of this, insufficient charge cause card is expired When I try to speak to a higher supervisor I get put on hold for over an hour, and noone comes back to phone line These people are rude and dont care when you try to get card that was never received all they want is that {$20.00} The only contact info about contacting them is in my call history on my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: TX

Complaint narrative:
I have contacted Equifax XXXX XXXX in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. Equifax has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation