vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Sapphire Preferred card holder. I had accumulated more than XXXX points over a year. Chase advertises ( goes to great lengths! ) that the points are worth XXXX if used to book travel using Chase XXXX. 

On XX/XX/2023, I tried booking flights from XXXX XXXX  XXXX using their website. However, it turns out you can not use the online booking capability if there's a XXXX  traveling. They ask you to book the tickets over the phone. I called them and was on the phone for OVER XXXX HOURS. At the very last step, the payment did not work ( which is hilarious in its own way - their own credit card did not work with their own travel system! ). Unfortunately, the travel agent tried to book the tickets several times. As a result, I had XXXX transactions on my credit card statement, each worth XXXX XXXXXXXX, which pushed the overall balance to above XXXX XXXXXXXX. 

I called the very same day and asked for refunds ( because no tickets were booked! ). I was told that I needed to wait for XXXX hours before they could initiate a refund. I called them on XX/XX/XXXX and enquired about the refunds. After spending XXXX minutes on the phone, I was told that the refunds were initiated on XX/XX/XXXX and that they'd take XXXX business days to complete. I explicitly stated that I was worried about my credit score being affected if the refunds were not issued before the next statement date. 

I called again on XX/XX/XXXX and received the exact same answer ( another XXXX business days for refunds to go through ). It's XX/XX/XXXX today, and I just got a flag from a credit score tracking company that my credit score has REDUCED BY XXXX POINTS (!!! ) - from XXXX to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
THESE ACCONTS IS NOT MINE XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCONTS IS NOT MINE XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
repeatedly attempted to submit payment, only to be told it was declined, but without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: GA

Complaint narrative:
I have not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!

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 2023-09-21 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: GA

Complaint narrative:
I have not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!

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 2023-09-21 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: DISCOVER BANK
State: MD

Complaint narrative:
I recently reviewed my credit reports and was made aware that Discover Bank is sharing information with consumer reporting agencies that should be excluded from my report and is in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I called to ask Aid Vantage to cancel the consolidation of the lowest interest loan I have because I did not want it on the list of loans in my consolidated loan request. In effect, this mistake increased my interest rate from 6.310 % on a {$45000.00} to a 7 % interest rate. They would not undo this loan from the consolidation. They said it was final and I could not change it because the Dept of Education and Congress said it could not be undone. The loan is still in process at XXXX XXXX. I will try to contact them as well, but I have to wait 12 hours for a call back. They called me back this morning and told me to call Aid Vantage. This is a huge error and will cost me a lot in interest going forward. 
I did not realize that this was going to be such a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
Levy Law Firm notified XXXX XXXX  Legal Department to prematurely and wrongfully processed a notification as a court-ordered levy from Levy Law Firm XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX XXXX Government Clerk of Superior Court stated that the court has not issued a garnishment levy to Truist on behalf of XXXX XXXX XXXX XXXX to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My concern is that XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of XXXX debt collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.

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 2023-09-21 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: AZ

Complaint narrative:
1. I requested information on debt validation, to which there was a written response that this debt belongs to me, without any confirmation, no copy of ID, no social security number, no copy of signature.

2. In response to the previous complaint, I received an answer that I must fill out a form stating that my identity was stolen, but I do not believe this, since the company can not provide any evidence that this debt belongs to me.

3. By law, the debt collector must prove to me that I owe them, but in fact, the debt collector asks me to confirm or refute this debt.

4. The address where I allegedly rented the apartment is in an office building.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
Information incorrect and never received card. 
Was not able to log in due to fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX 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 2023-09-21 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: GA

Complaint narrative:
This is my another complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-09-21 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: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW financial services acc # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MECHANICS BANK
State: CA

Complaint narrative:
A {$50000.00} credit line was taken out from Mechanics Bank in the name of XXXX XXXX XXXX and used my name as the 100 % owner of the company. I have never had any affiliation with this company or Mechanics Bank. The first I was aware of this was after a default judgement was entered against me. I went to court on XXXX for a motion to vacate renewal was not successful. 

I wrote a letter to the bank and also asked the collection agency ( XXXX XXXX XXXX ) to supply me with the original loan documents to no avail. 

The information on the loan application submitted by XXXX XXXX XXXX is fictitious and not associated with me in any way. 

There is no supporting documentation for the loan : No copy of my valid driver 's license No business and/or financial documentation associated with me in any way No copy of bank/liquidity account statement associated with me in any way No tax return information associated with me in any way No articles of Incorporation for XXXX & XXXX XXXX filed with the Secretary of State, which bear my name The signature on the loan is not mine and never lived in XXXX XXXX. 

It is also alarming that the bank officer on the loan application has the same last name of the treasurer of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: RI

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We issued a check for {$1100.00} on XX/XX/2022 to XXXX. The check was cashed fraudulently at a JP Morgan Bank location. We were made aware of this only when XXXX, the intended payee, contacted us to say our account was past due. Upon research, it was discovered that the check had been cashed fraudulently at JP Morgan. 
Facts : XXXX XXXX XXXX XXXX  XXXX XXXX ) Filed Initial Claim ( Without Entry Form ) with JP Morgan XXXX XXXX Received Acknowledgement from JP Morgan XXXX XXXX Requested Status Update from JP Morgan XXXX XXXX Sent 2nd Request for Status Update XXXX XXXX Requested Another Status Update from JP Morgan XXXX - JP Morgan requested additional Information XXXX JP Morgan requested Information and XXXX  promptly responded, providing all requested information XXXX XXXX  followed up again siting JP Morgans response of XX/XX/2022 stating the claim would be reviewed and worked within 45 days. Further stating, JP Morgan is approaching 1 year without responding to multiple update requests regarding the claims and XXXX  customer still not having received return benefit of the funds received at JP Morgan in error. 
XXXX XXXX  Emailed JP Morgan a follow up stating the funds had not been received by the customer for the claim filed in 2022 XXXX XXXX  sent 3rd Request with all required documents for claim XXXX JP Morgan responded , the claim is paid and they placed a stop payment on the previous cashiers check and ordered a new check, Kindly wait 2-3 weeks to receive the new check XXXX XXXX  has not received the funds and recommended we ( XXXX Customer ) to file with CFPB

Company response to consumer: Closed with non-monetary relief