vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, it has come to my attention that Conn 's ApplicanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ( Company ) has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am complaining about Chase Bank. 

I have had a checking account at the bank ( and its predecessors ) for my small business for many years. 

There was any monthly fee on the account by any bank before or since Chase took over a few years ago. 

About a year ago, Chase changes the account to a different type of account, with no change in service or any other aspect of the account. 

But the big change was that now there is a monthly fee unless a minimum of {$2000.00} balance is maintained. There was apparently no grandfathering the existing account. All accounts-new, old or matured- pay this fee. 

We religiously maintained {$2000.00} balance and still got charged a fee every month. Monthly statements did not provide any calculation or justification for the fee. 

I complained to Bank regulators. Chase refunded a small amount without any explanation. 

After XXXX month, the fee started being charged again every month, even though the balance is over {$2000.00} at all time. 

This effected not only us but millions of other small, struggling businesses nationwide. 
By some estimates, Chase may have over XXXX XXXX small business customers. If the average fee is just {$10.00} per customer. That makes {$100.00} million being sucked by big, bad bank out of the nation 's small businesses without providing any value. 

All the money Chase spends on PR and do-good projects is just a small percentage of this ill-gotten windfall. 

Chase is no different than another big bad bank XXXX XXXX. Chase is just using a different technique to cheat the public. 

I feel Chase should refund all customers all such fees, and further stop charging this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The debt has been paid off as a charge off but is still showing up on my credit & I will like it removed. Since I paid it off

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been trying to dispute this collection XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, it keep coming back as verified and that is all ( XXXX  ) ( XXXX ) responses. please you check into this. and also delete these unknown inquiries I've listed. I've already reported this 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 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

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 2023-06-06 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: CA

Complaint narrative:
I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-06-06 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: NY

Complaint narrative:
I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts and information in question are as follows : 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts and information or authorize anyone else to do so on my behalf. I believe that this is a case of fraudulent activities and I am taking steps to report this to the authorities.

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 2023-06-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXl, 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 an 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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX Bank of America charged a rush replacement fee for sending my debit card. This was because fraudulent activity on my wife 's card ( same account different debit number ) resulted in the associate accidently cancelling my card instead of hers. I was offered free rush delivery to make up for the mistake, but was told " you will receive a {$15.00} rush delivery fee on your account, call back when you receive your card and we will waive the fee. '' On XX/XX/XXXX. I still had not received the card. I called explained the situation to the associate who assured me they would rush another card to a different address to ensure I receive the card. I was told the first rush delivery fee will be waived and again " call back and we will waive the rush delivery fee '' This second fee was charged on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the fee would be waived and it would take approximately 5 business days to appear on my account. On XX/XX/XXXX I called customer service asking why the fee was not replaced on my account as was told " the second fee went under review and your waiver was denied and once fee review decision is made it is final '' I talked to a supervisor and customer service manager XXXX who refused to give me a reason why it was denied the second time and intentionally casting the review process as omnipotent while keeping the specifics of what exactly was disputed opaque. The manager refused to acknowledge the contract made when the associate told me over a recorded phone call that the fee would be waived on all occasions and that I certainly would not have bothered with rushed delivery if I was not told that it was being given to me free to make up for the inconvenience of going on from XX/XX/XXXX without a debit card. The manager refused to provide further contact information to dispute the fee saying flatly " the fee is not getting waved '' and going so far as to obviously lie " the computer system has denied the waiver and it can not be changed. '' I understand that the {$15.00} fee may seem trivial, however, I think this case is quite extraordinary in how blatantly unethical it is -- violating a guarantee given to a customer and going so far as to almost flaunt how powerless I am to appeal.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authority, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This information has caused me to suffer monetary losses and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle through a consumer credit transaction from XXXX XXXX XXXX, XXXX ( Byrider ), After researching consumer and state law I reached out to XXXX XXXX who is the finance manager at Byrider to raise concerns about the finance charge and APR. I mentioned to XXXX XXXX that the finance charge was not adequately disclosed because it did not reflect the sum of all charges pursuant to 15 USC 1605a. I also mention that the APR percentage was not computed in accordance with the law. 

When I initially raised these concerns to XXXX XXXX and staff they completely disregarded me and I was told I was wrong. Still, no one would inform me of nor help me understand any provision within my retail installment contract. I was treated with no respect and staff even disconnected the call. Due to the circumstance, I faxed Byrider a notice of dispute on XX/XX/XXXX. 

I had possession of my vehicle up until today. Earlier today I emailed XXXX XXXX expressing that I wanted to renegotiate the terms or for them to follow the law and disclose the finance charge. XXXX XXXX response was that I was in default on the account for payment due 4 days ago on XX/XX/XXXX. After stating I was in default XXXX XXXX stopped responding to my emails and a couple of hours later, I witness Byrider repossessing my vehicle. I gave Byrider every dollar I had for the downpayment and now theyre treating me unfairly and disregarding me. Byriders repossession of my vehicle is fraudulent and unauthorized due to their disregard of my dispute and violation of Truth in Lending. 

Byrider took my vehicle today and this is emotionally overwhelming because I spent every dollar I had on the downpayment and recently got the brakes replaced and now I have no car it will be a struggle getting my daughter to and from school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX XXXX : XXXX. XXXX, 2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
During the period of XXXX and late XXXX I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on 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 non-monetary relief
Consumer complaint received 2023-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
During the period of XXXX and late XXXX  I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: IN

Complaint narrative:
I received mail from XXXX in XX/XX/XXXX for three collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with XXXX. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my Experian credit report. I disputed them individually on Experian on XX/XX/XXXX and the company notified Experian they belong to me ( they are not mine ). I disputed them again on Experian, said they are not mine and asked them to provide proof. They again told Experian they are mine and did NOT provide proof. 

I called XXXX again and disputed the accounts. I was told they would research and call me back within 3 days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my Experian report. I want them removed from my credit report and I also want XXXX to remove these three debts from me because they are not mine.

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