vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I was working with Lexington law and they kept charging me every month and there was no response.Finally I called was told it takes time.I made for about a year and a half just hoping for some help. I canceled their services because I thought I was being scamed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase did not honor the reward terms for its " XXXX XXXX Boundless Credit Card From Chase '' and refused to explain the decision or collaborate with the customer to resolve the issue. 

I enrolled and started using Chase 's XXXX XXXX XXXX Credit Card in XX/XX/XXXX. The credit card marketed " Earn XXXX points for every {$1.00} spent at hotels participating in XXXX XXXX '' ( see Chase XXXX XXXXXXXX XXXX XXXX  ). 

However, in reality, Chase only provided XXXX points per {$1.00} spent for my XXXX XXXX hotel stays from XXXX to XX/XX/XXXX ( see XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). The hotels spent were at XXXX XXXX and XXXX XXXX in XXXX, and were booked through XXXX official mobile app ( see XXXX XXXX XXXX and invoice for each stay in the dated pdf files ). 

I called Chase customer service on XXXX to report the issue. Chase sent a letter on XXXX saying they " researched the purchases '' and decided that " the charges are not categorized as the XXXX property '', and refused to make corrections on the points rewarded ( see Chase XXXX  XXXX  ). 

I then called Chase again to ask for an explanation and offered to provide the documents proving that the purchases were made at XXXX hotels booked through XXXX directly. However, Chase refused to provide an explanation or consider my documents, and informed me that the decision was final, and I was welcome to submit a complaint or resolve through legal action. 

The total credit card expenditure on these XXXX hotel stays were {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase XXXX credit card well within the promotional period to where if I got approved, I would get a companion ticket every time I bought a ticket for myself, and they didnt process that application in a timely manner and when I reapplied it was outside of the promotional application timeframe, and even though the first application was submitted in a timely manner, they wont honor giving me the advertised perk of getting a free airline ticket for a companion. And I have an email confirming that they received my application within the promotional application period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX XXXX after my phone were stolen I lost acces to my email the one i had linked to my cahs app account. After getting in contact with cash app support to let them know my account was compromise by emails athrougth the support area of the app I couldnt have access back to my main account until this last XX/XX/XXXX. After getting back access to my account I noticed that was a money move to a XXXX XXXX XXXX account done on XXXX XXXX, XXXX for the amount of {$2100.00} XXXX place a dispute over this unautorize transaction many times since XX/XX/XXXX but the Support team gives me the same aswer " the transaction were done correctly and satisfactory '' I explain to them as the can see in the system that I didnt do that transaction that i need my money back but they doenst provide more information regards that transaction. Even they didnt honor as they say a credit balance untill the dispute is investigated leaving me with no money and no explanation about where my money is. 

I told them I have the emails exchange since the moment my account was compromise during almost XXXX years of my trying to get back acces to the account thay I didnt do that transaction. 


The emails exchange ant the print screan of the conversation with cash app suppor on the app can be submitted if need it and requested to validate that i didnt have acces to the account in XXXX years and the moment i notifiy them I couldnt get acces to the account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase put XXXX checks on freeze for XXXX XXXX sessions. They were child support payments. She lives at the address on me account with me, we have XXXX kids together, we are married by common law. We verified our identities in person. Multiple times. Changed phone plans to verify her identity through their verification system and risk tool I feel weve tried XXXX XXXX the checks total to {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
company still making harassing collection calls and not accepting terms of the XXXX XXXX XXXX. payments.

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 2023-09-10 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: WI

Complaint narrative:
Today ( XX/XX/XXXX ) I received an email from XXXX XXXX XXXX Bank stating, XXXX, Thanks for applying for a XXXX credit card. 

This was not sent to my personal email but actually my parents email. 

Personal Email : XXXX Parents Email : XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact XXXX about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to one of their locations. 

Additionally, I received an update via email today ( XXXX ) from Experian stating my credit file has been updated. Upon looking in to the update it says, XXXX XXXX XXXX got a copy of your Experian Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking your Experian XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your XXXX XXXX and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with XXXX nor have I ever.

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 2023-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I had paid my XXXX + balance in full including XXXX interest. the day my credit limit would be available to use, it was immediately lowered to XXXX. I use this credit card to pay rent. So I basically used all of my cash to pay off that card in expectation to reuse it for my XXXX dollar rent. I was basically robbed for {$3900.00}. 

I was not given 30 day notice or notice by physical as it is said in XXXX XXXX XXXX https : XXXX I contacted multiple reps and supervisors who give me the run around. this has caused me extreme emotional distress. I already know Goldman Sachs uses my signature and application as collateral and trade the securities. I just want my limit returned to me. 
I will be getting a attorney to further my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I'm waiting for Wise to reply me back to my email that i sent today but i am not wasting anymore time, waiting for the results whether its good or bad news. I was recently promised a refund from my seller and the total refund im expecting to get is XXXX PHP = roughly around {$30000.00} however i sent the money through wise for XXXX XXXX and i need to have the full refund asap even though the seller agreed to send me the refund but she wants to do it monthly payment installment which i did not agree because it is not fair to me and my clients to wait additional months and who knows how long she will take to send me the funds and i dont have that much time. I sent the whole funds to her right away and i expect to have the refunds to me back right away and not through payment plan. I just hope Wise will agree to issue the refund and work with my bank to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services is a known debt buyer and are subject to the FDCPA. 
They have shown great negligence by reporting false and misleading information about me to the CRAs. I have never requested them to create an " account '' in their system for me and yet they have done so without my consent. They have contacted me repeatedly without my consent and they are currently furnishing inaccurate information. Pursuant to 15 USC 1692b they can not allege that I owe a debt however have been reporting so to the CRAs for months with not only one allege accounts but XXXX since XXXX & XXXX. 
These inaccuracies have caused immense damage to my reputation and my mental health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Today ( XX/XX/XXXX ) I received an email from JP Morgan Chase Bank stating, XXXX, Thanks for applying for a Chase credit card. 

This was not sent to my personal email but actually my parents email. 

XXXX XXXX XXXX XXXX Parents Email XXXX XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact Chase about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to XXXX of their locations. 

Additionally, I received an update via email today ( XXXX ) from XXXX stating my credit file has been updated. Upon looking in to the update it says, JPMCB CARD SERVIES got a copy of yourXX/XX/XXXX Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, JPMCB CARD SERVIES made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with Chase nor have I ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with XXXX Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to Equifax, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or XXXX so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact Equifax to discuss my issue and have it resolved with Equifax. I then know I XXXX was providing me with absurd guidance, because why would I contact Equifax about charge accounts that XXXX Bank is not reporting to Equifax. This isnt something Equifax has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its XXXX Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the XXXX XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with XXXX Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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