vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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:
XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of Experian, XXXX XXXX XXXX delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.

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 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XX/XX/XXXX. Paid XXXX to XXXX XXXX for a XXXX  and XXXX  for a XXXXXXXX XXXX XXXXXXXX motorcycle. Received product on XX/XX/XXXX. Product was installed and deemed defective. 
Opened a dispute with PayPal. Within 8 hours of opening it, it was closed in sellers favor, with no investigation effort of any kind. 
Re opened the dispute in appeal, provided more information, including user manual from the product that states it must be installed to verify proper function, PayPal demanded seller provide a label to return within 3 days XX/XX/XXXX. On XX/XX/XXXX XXXX claim was again arbitrarily closed without notice in sellers favor again stating tracking info was invalid. This is ridiculous, we never received a tracking number to return, but the claim was closed anyway. PayPal is not performing a proper investigation and wrongfully denying this claim. {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: SC

Complaint narrative:
US Bank continues to deduct interest from my extra principle only payments! Each payment has principle only in the memo section but is applied as a regular payment. I have had to call each month to correct the error. It seems purposefully on their part to collect extra interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Received XXXX letter confirming identity theft from XXXX and is still ongoing

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 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
Customer service for aspire is over seas. Unfortunately when companies go cheap they sacrifice quality and lose customers. I was told on a recorded line 3 times this year including one time today that my credit card was 1 % cash back. I didnt remember signing up for that so I asked a few months ago to be switched to thta 1 % card. I was assured that my current card was in fact 1 % cash back. I closed my account because of this kind of service. Rather then try arbitration or go to court over XXXX I believe its best for the cfpb to handle the problem. If aspire wants to fix this by offering me the same card with 1 % I will accept that solution otherwise I prefer not to do business with aspire after this sour bitter taste left in my mouth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
Ive attempted to fix this issue many times through disputes. My account has been paid off for several years and closed. Creditors are not legally obliged to report at all. It's a voluntary practice. I am requesting that this harmful account not be reported to the major bureaus anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In XX/XX/2022, I realized my checking account with US bank was arbitrarily closed without intimation or reason for closure. I reached out to their customer care number and was not provided with any specific reason for closure. They intimated me they had sent out a cashier 's check of the balance amount ( {$58000.00} ), to an old address. I informed them they had an incorrect address on file and they agreed to send out a check for the balance amount to the new address along with a statement of balance. The statement of balance ( dated XXXX XX/XX/2022 ) was received in the next week to the correct address, but the check with the balance funds never showed up. Ever since ( for about 2 months now ), I have been following up with them atleast once a week, and once every day starting early XX/XX/2022. They have just been forwarding my calls to different departments and no one has any information to track the check/ or provide an estimated time of when I would receive my funds. 
I also reached out to my home branch in LA ( the US Bank branch where I opened the account in the first place ) on XXXX XX/XX/2022, and they have outright refused to help me with anything. 
Starting XXXX XX/XX/2022 the operators started saying that there is no fund in the account. I did not receive my balance funds of {$58000.00} and now US bank is denying that there is any balance amount.

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 2022-07-09 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: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: NC

Complaint narrative:
I disputed fraudulent information being misused and being reported to my credit score with Experian, XXXX XXXX and XXXX. I received notification that items were deleted. When i checked my credit report things on my report were changed and on positive accounts and old negative account were added back to my credit report. it seems as if the credit bureau is deliberately lowering my score. every time I send in a dispute letter, I provide identification and proof of address. They are always respond saying they need verification when I send in disputes. I am a XXXX XXXX XXXX XXXX  and my address if confirmed by 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 2022-07-09 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: CURO Intermediate Holdings
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have been instructed three different times by general customer service reps that the only way to resolve my account being frozen is to speak to someone in Security department. They are experiencing high call volumes, but I have spent at least 12 hours on hold on different days trying to speak to someone only to have EVERY call I make to the Security department dropped after either 2 or 3 hours on hold. 

Basically my money has been hijacked by the company and they provide me no means of resolving this issue except to say that I HAVE to speak to someone in Security, but nobody answers those calls. I have been trying to get through to someone in the Security department daily since XX/XX/XXXX and get the same result everyday. This simply is not acceptable. 

Also I did receive a letter dated XX/XX/22 stating that my funds have been returned. To this date my funds have not shown up to my original bank account. 

General customer service has no other suggestions of what I can do except to keep calling Security department back. How long am I supposed to go on wasting time on hold for 2 to 3 hours at a time just to have the calls drop every time and nobody to speak with about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : 0 0 0 High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-09 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: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, 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 2022-07-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX  Account # XXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX bankruptcy Reference # 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 2022-07-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX bankruptcy Reference # 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 2022-07-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Syncb/tjx co dual I been paying my bill on time evrey month no late payments no nonething and they closed my account it should be no reason for this to be on my credit report wen they closed the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Westlake Services, LLC
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I deposited a check to Chase bank to be placed in my landlords account for our XXXX rent payment. The check was for {$1800.00}. This check cleared our account and the image of the check we received has a stamp from Chase bank showing they processed the check. 
The funds from this check did not reach my landlords account, but the money has been removed from mine. 
I have been in contact with Chase bank on two separate days XX/XX/XXXX and XX/XX/XXXX. They insist that this is not their problem and refuse to talk with me further about this problem. 
My landlord has also been in contact with Chase bank, and they have not provided him with a solution to this problem either. 
So now he does not have our rent money, but the rent money is gone from my account. He has provided images of his own account showing there is nothing there. 
I have also talked with my bank on the XXXX and XXXX of XXXX about this problem. They tell me that since the funds have officially cleared and there is clear evidence that Chase has withdrawn the money, there is nothing more they can do on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: TX

Complaint narrative:
I have ask experian credit bureau to correct the following errors on my credit report and they have yet to do it and submit verification tht these are my accounts or to fix inaccuracies tht by law should be deleted from my credit report. XXXX ) XXXX  XXXX XXXX is the account number and past due balance of XXXX which is inaccurate and the dates are wrong and it is a charge off account. XXXX ) XXXX XXXX XXXX XXXX is the account number and the dates are wrong and it is a charge off acct. Furthermore I hve sent numerous letter stating how this inaccurate reporting is damaging 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 explanation
Consumer complaint received 2022-07-09 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: PA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigation 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 with whom he is accquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for account removal.

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