vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
I sent my 2nd letters off to XXXX, XXXX, Experian on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, XXXX # XXXX, Experian # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information.

Attached is the letters I sent out in " Good Faith ''.

Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached and FTC report with inquiries I did not authorize

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 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir or Madam! 
JP Morgan Chace Bank N.A. was corresponding Bank between XXXX ( it is not under sanctions ) and XXXX ( XXXX one ). XXXX of XXXX I tried to transfer {$300.00}. And my money disappeared in JP Morgan Chace NA. It was written like the payment is declined, but still, despite it is XXXX of XXXX, nothing was returned on my account. I sent them my XXXX code and asked to check out what is happened. They used all possible useless excuses but did not even agree to check the situation out, despite of all information provided. Could you help me somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: GA

Complaint narrative:
I paid the loan out and they suspense the balance. I have proof of what they say it was and proof of my payment. They still want more money. I paid XXXX on XX/XX/2022 It paid overnight, I call them they said they got it the next day. So then they said I owe them for insurance I had the insurance company to send them them their money back. Now they say I owe 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 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I was in an accident and received a citation for a XXXX, XXXX Police impounded my vehicle. I filed a claim with XXXX insurance to resolve the total loss and even offered to have the loss paid directly to the lienholder and would settle my ongoing dispute regarding balance outstanding with the lien holder after. 

On XX/XX/XXXX, Global Lending Services ( GLS ) without notice, " SECURED '' the vehicle and all my belongings in it, including valuable medication. They have refused to cooperate with XXXX to make the vehicle available for inspection. I was unaware until XX/XX/XXXX, when XXXX 's adjuster attempted to inspect the vehicle. Between XX/XX/XXXX, and XX/XX/XXXX, the tracking data on my car keys and the additional tracker in the vehicle has confirmed it has been moved to four different locations to prevent me or XXXX from having access to it. The vendor used by GLS, XXXX XXXX does not respond to phone calls and has yet as of this filing, provided and inventory of my possessions in the vehicle as required by Oregon law. 

I have had a dispute with the dealer of the vehicle as it was a washed title sale that inflated the value of the vehicle by {$5100.00} since it was purchased on XX/XX/XXXX. I informed GLS of my dispute, including documentation as well as the outcome of XXXX XXXX arbitration of the dispute in my favor to recover {$1000.00} of the money I paid directly to the lender, and asserted my rights against them as holder in due course, as permitted in my contract. Under the Fair Credit Reporting Act and the Fair Credit Billing Act, until they complete a proper investigation, that amount and any interest due can not be reported as delinquent or even collected against. 

On XX/XX/XXXX, GLS, delivered a non-responsive letter saying if I didn't make the monthly payment as listed they could report the amount as listed, but did not address the issue of the contract being a fraudulent and deceptive sale. 

On XX/XX/XXXX, right after I called them to demand their cooperation with XXXX and an explanation for their failure to address the investigation of the overinflated sale, GLS issued a default letter for {$730.00}, intending to sell the vehicle without allow inspection or claim adjustment. By doing so, they are hoping to prevent introduction of evidence of its prior salvage history. Unfortunately, A copy of the original XXXX claim to XXXX XXXX remains on file at XXXX XXXX XXXX XXXX and is continuing to be reported in XXXX as well as XXXX XXXX XXXX ' databases as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Account name : XXXX  Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XX/XX/XXXX Status : Closed. {$280.00} written off. 
Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$0.00} Credit limit : {$750.00} Highest balance : {$340.00} I need used the XXXXXXXX XXXX Credit Card. They renewed my membership with the card without my permission. Once I called the Credit Card Company, They reverse the charge but not the late fees. I never used the cards so have can they charge me ANYTHING. They reverse the charge but never reversed the late fees which i totally disagree with, So they sold the charge to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have an American Express gift card that has never been used. The funds do not expire but the date on the card expired. Online American Express says to contact them and they will issue a replacement card. I called the number on the card and reached an automated line that kept saying it was having trouble understanding the card number I was keying in. Then it hung up on me. I called this number three times on XX/XX/XXXX and it hung up each time. Then I called several other American Express customer service numbers. I was put on hold and the people hung up on me twice. A third person told me they couldnt help me and that they would transfer me to someone who could. They transferred me to a disconnected number. Several numbers were disconnected. I tried contacting Amex through their customer service online portal and got a error message that my message could not be delivered. I tried contacting Amex through their customer service email and the email came back as non-deliverable. After reviewing voluminous similar complaints online it appears Amex has rigged their system so that gift card customers can not reach anyone and the company gets to keep the gift card money. I want my money back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXXXXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is TRANSUNION, XXXX, and XXXX. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my rights.

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 2022-05-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My Identity was stolen and used by an unknown person obtained and used credit cards debt, now in collection, impairing me from getting credit, rental anything that have to do with credit

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 2022-05-24 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: FL

Complaint narrative:
My Identity was stolen and used by an unknown person obtained and used credit cards debt, now in collection, impairing me from getting credit, rental anything that have to do with credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
My Identity was stolen and used by an unknown person obtained and used credit cards debt, now in collection, impairing me from getting credit, rental anything that have to do with credit

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 2022-05-24 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: FL

Complaint narrative:
Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-24 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: T.S. Holdings
State: FL

Complaint narrative:
Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. IQ DATA INT. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
In XX/XX/XXXX, I initiated 3 deposits of XXXX each, after that everything went great. In XX/XX/XXXX, I received a letter via email saying that my account was closed since I violated the terms of deposit since the limit was only XXXX, I understand and I have no problem with this but i need my money right away since we are no doing business anymore. In XX/XX/XXXX, I received 3 emails regarding the 3 deposits, saying that my funds have now deposited and available. Since that day I have try to contact Current bank more that 6 times, each of them unsuccessful, since they block my account I have no other option to talk to them but via email and they dont respond, still today Monday XXXX they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

15 U.S.C 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 2022-05-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

15 U.S.C 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 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 2022-05-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX & PORTFOLIO RECOVERY ASSOCIATES , LLC have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well. I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached and FTC with inquiries I did not authorize

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 2022-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed many disputes with XXXX regarding Capital One Bank Credit Card Division and the reporting of a 30 day late on XX/XX/2020. I called customer service in XX/XX/2020 to get a deferment on my account because I had a loss of Rental Income due to Covid19 The Representative assured me that I could skip next month 's payments. 

This 30 Day late has caused traumatic injury to my credit. I have filed at least 5 disputes with XXXX and called Capital One Customer Service several times to no avail. 

I am requesting Capital One take the negative report off my Credit Profile because it was a Covid19 related problem. That is the only payment that I ever missed with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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