vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried using it on online platforms such as XXXX or XXXX. They have denied verification to add them to my payment options. There was also the problem trying to connect my gift card to XXXX due to some stores not taking Amex but will take XXXX. However, I was denied the connection because XXXX denied verification too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries.

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase XXXX XXXX just continued to charge interest & late fees on closed accounts without informing us, resulting in non-transactional charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im being hacked and stalked by a XXXX  XXXX hunting ground. I opened a FBI case in XX/XX/2022, the FBI wont help me. XXXX hacked. My credit card is hacked. My bank account both a previous one at chase was hacked and stolen from and now my current one at a department of XXXX bank is hacked and stolen from. 
My email and phones and computer are all hacked. 
When calling the credit card company or bank chase, the hackers transfer me to a hackers call center, so I never can get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 disputed bankruptcies on my credit report with XXXX, XXXX and Experian credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, XXXX and Experian has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was incarcerated at the time that these bankruptcy were filed.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Greetings, There is information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1500.00} AFFIRM INC | XX/XX/2023, amount {$25.00} You are required to do what I am asking pursuant to fear credit laws sanctioned by Congress and block these transactions from being reported on my consumer report within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Investigate the following accounts that fraudulent charges were made and inquiries : Account name 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 These inquiries are fraudulent : XXXX 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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CO

Complaint narrative:
Fraudulent checking account opened under my name at US Bank on XXXX. Fraudulent check cashed by a person named XXXX XXXX - according to the bank. Spoke to their fraud department on XXXX. Bank is sending me affidavits and information via email to resolve.

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 2023-11-19 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX Equifax and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX Equifax XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX XXXX and Experian or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX XXXX XXXX and Experian ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center

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 2023-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
This company claims I owe them {$1300.00} from a previous apartment I lived in that was spotless when I moved out. I received NO documentation on where this {$1300.00} charge came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DC

Complaint narrative:
On XX/XX/2023, I applied for the SAVE IDR plan on myfedloan.gov. I was approved for this plan at a $ XXXX monthly payment and my information was sent to MOHELA. 

On XX/XX/2023, I was placed on an " Administrative Forbearance '' by MOHELA. MOHELA has not placed me on the SAVE plan and has not provided any reason for not putting me on it. Interest has continued to accrue on all of my loans, despite the fact that I am qualified for the SAVE plan and this interest should not be accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
To date, the Infiniti Automobile Leasing Company has incorrectly reported to the credit bureaus that I owe XXXX dollars as a balance on a leased vehicle and has further reported that this matter is current. 

On XX/XX/3017, I XXXX XXXX XXXX XXXX entered into a contract to purchase a XXXX  motor vehicle from the car dealership of XXXX of XXXX XXXX XXXX XXXX, XXXX, California. At that time, the sales personnel agreed to pay the remaining balance owed on a vehicle that I was leasing from Infiniti of XXXX XXXX, XXXX. 
On XX/XX/, I signed an agreement to purchase the new vehicle from Infiniti of XXXX XXXX, contingent on the dealership paying the remaining six-month balance on the vehicle that I was leasing from Infiniti of XXXX XXXX XXXX XXXX. 

As a result of my agreement with Infiniti of XXXX XXXX, XXXX, I purchased a new vehicle from Infiniti of XXXX XXXX, XXXX and this dealership took possession of my leased vehicle, and the dealership began making payments on my leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Servicer Carrington Mortgage constantly gives Borrower a different company name claiming that they own my mortgage debt. On XX/XX/2023, Carrington claimed that XXXXXXXX XXXX  and Carrington are not the owner of my mortgage debt- it is XXXX. Carrington has been changing their claims of what company owns my mortgage debt to mislead and confuse me in order to force me to turn my property over to Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform EQUIFAX, XXXX XXXX XXXX that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. EQUIFAX, XXXX XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if EQUIFAX, XXXX XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 i made claim with Bank of America about my debit card fraud, they gave me a new debit card and told me they would investigate the matter. After they claimed they investigated, they denied me by stating that after researching they saw that i was the one who made the purchase, so i wrote them an affidavit asking them to rebut all which i have stated in it with wet blue ink signature and signed by a notary, and attest to what they accused me of, which they did not. They did not get me any details on how they went about conducting the investigation. By law they must comply with my demands. I will be taking them to arbitration.

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 2023-11-19 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, XXXX XXXX TRANSUNION that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, XXXX & TRANSUNION do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, XXXX & TRANSUNION declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 have disputed bankruptcies on my credit report with Transunion, XXXX and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. TransUnion, XXXX and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.

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