vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
As of XX/XX/XXXX Experian reported that this document the company have is certified and accurate and when I called to request that document of verification I was told they don't have that document and I would need to contact the courts lol okay well the Federal Courts don't share information with credit bureaus or third parties that would be violation of privacy. Experian has not disclose this source of information if this Document can't be disclosed then Experian need to delete or provide the Certified Federal Court document that Company verified this accuracy. Please keep in mind this is a public record which I did not sign or give any permission to place on my credit report to do so without my consent this is Identity theft and fraud Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 


Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX .... 

Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

This not a Credit Repairs Service or Invincible Service either I'm tired of the stalling games I understand my rights as a Consumer and know my rights and the law. If Experian Continues to stall and gives excuses I will proceed with legal action and If you think this a Credit Service Company! again try me and you'll see I'm no Credit Repair business. 

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has two different account numbers. XXXX - XXXX Experian - XXXX. This isn't the only inaccurate or inconsistent as well as violations information on this 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 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After my wedding on Thursday XX/XX/2023, I went to a Chase branch to deposit all of the gift money that I received. I specifically went to the branch located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, slightly before XXXX EST time on Friday, XX/XX/2023. 

I tried to deposit a total of {$28000.00} into a Chase ATM at the branch as soon as I got there. The first deposit of {$5400.00} in cash of all XXXX dollar bills went through. I then tried to deposit the rest of the funds, which totaled to {$23000.00}, in cash ( multiple denominations- XXXX, XXXX, XXXX, XXXX, XXXX ) and checks. During the transaction, the Chase ATM confirmed the total amount, and I then pressed a touch screen button on the ATM to finalize the deposit. Although, the ATM froze after this, and then dispensed some/all the checks back to me ( I do not know if it was all of the checks, since there were many and I did not count exactly how many there were ), but did not dispense any of the cash back. As soon as this transaction failed and the checks were dispensed, the ATM printed out a receipt, and then I immediately asked a worker at the branch for help, who then told me that there was nothing that they could do, and to call Chase and file a claim. 

The total amount in checks that I got back from the failed deposit was {$10000.00}, which I then went to a teller at the branch and deposited, but there is still {$13000.00} that I inserted into the ATM that I do not see in my account. This money was swallowed by the ATM. 

I had to call Chase multiple times, and for some reason there were XXXX claims filed - I was told the first claim was filed incorrectly ( was not even given an explanation as to why ). 
In addition, Chase did not provide any helpful information to me on what kind of investigation they will perform to ensure that my account is properly credited, and I have not received any written email/messages from Chase yet to ensure that I will be made whole. I do not have any assurance that my funds will be given back to me, and I believe that they told me that a third party company is the one that reconciles their ATM amounts- how do I know that this third party company won't just take my money and tell Chase that the money I deposited was never actually deposited? 

First Claim number : XXXX Second claim number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Add on to complaint XXXX Hi, Comenity Bank responded by restoring my rewards points. The problem is they say they are having problems with direct deposit redemptions. This has been ongoing since at least my original complaint of XX/XX/2022. At this point I want my rewards points redeemed in dollars. The only acceptable resolution is that if they can't do it electronically they write me a check. 

Thanks - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: LA

Complaint narrative:
I reviewed my consumer reports and noticed that I have some late payments on an account that I was never late for. Consumer reporting agencies have assumed vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I havent been late on my on payments for the account ( XXXX XXXX XXXX, account number XXXX & XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be upgraded to on time as they should be as I was NEVER Late. Thanks

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 2023-03-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: OH

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. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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 2023-03-05 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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 2023-03-05 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: PNC Bank N.A.
State: PA

Complaint narrative:
Delete immediately PNC BANK has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). PNC still has not shown me a receipt of payment For XX/XX/XXXX XXXX not use the EOSCAR system .. PNCs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( PNC ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: PA

Complaint narrative:
Delete immediately XXXX XXXX  has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). XXXX still has not shown me a receipt of payment For XX/XX/XXXX ..Do not use the EOSCAR system .. XXXXs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times Experian, XXXX and XXXX still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to DELETE IMMEDIATELY

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 2023-03-05 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: AR

Complaint narrative:
Hello, Ive mailed letters to Transunion, XXXX, & XXXX in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.

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 2023-03-05 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: AR

Complaint narrative:
Hello, Ive mailed letters to XXXX, Equifax, & XXXX in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: FL

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  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-05 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: FL

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  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
Received a title loan from Check Into Cash and XXXX XXXX  and sometime in XXXX of last year she had given no actually I'm sorry it was XXXX she giving me till XXXX to make payments in that time I was a victim of identity theft all of my accounts were frozen they got a hold of my just open credit card account and wrapped up the whole {$4000.00} credit limit XXXX XXXX  has been slow and even non-existent to fixing it but I wasn't able to make my payments I kept in constant contact with this lady she promised me that it wouldn't repossess my car they came and repossessed my car when I called them to find out where it was how much they knew nothing they couldn't give me any information about anything about a car they had repossessed I finally got a hold of their corporate office in Ohio I was told that it wasn't in the system yet and call back you know in a day or so that way you know the charge is racked up even more I'm pretty sure so I finally called and they or give me the runaround run around run around finally told me the name of the company that I could get ahold of to get my personal belongings out of my car because they told me how much it was going to be and I told him they could have it it wasn't worth that to me I called the local tow yards it had my car no answer left a message never got a call back emails more messages nobody ever contacted me now I never saw my car again I never was able to get my personal belongings out of that car my children 's birthday presents were in there my XXXX was in there and to this day I still don't know where my car was or where my personal belongings ended up now I think somebody needs to compensate for the Lost birthday presents and my {$500.00} XXXX  I am willing to provide receipts serial numbers whatever anybody needs I'm willing to provide that but somebody needs to be held responsible for the events that took place I could care less about the car I have eight others but a simple fact of my children 's birthday presents and my XXXX  were in that car and these people lied through their teeth from day one stating that they had giving me ample notice of an intent to sell and I never got anything when I made a complaint with a XXXX XXXX XXXX they lied to them and told them that it took me eight days to call about my car which is a bunch of XXXX because I have the call logs showing that I called the morning they repossessed my car several times to the corporate office in Ohio and the idiots here in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Hello, I am not completely sure if this is all Private or Federal or Federal and Private. 
I first took it out with XXXX XXXX in 1975 for only XXXX ..I made many repayments. It ballooned with interest. You ... the Federal Government, througth the Biden administration gave pauses on repayments and still have till XXXX of this year. That I thought was to be interest free pauses. Today, I received a letter from my lender AES reading that interest has been accumulating and that I owe them that as well. The loan is now inflated to XXXX. 
Can they do this? What are or were my rights with the Feds? I need some objective guidance at this moment. 

Thank You. 

XXXX

Company response to consumer: Closed with explanation