vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 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: OH

Complaint narrative:
I'm am reporting how a bogus account was setup on Chase 's secure website. Although bogus Chase did nothing to assist me or willing to accommodate. 
On XX/XX/XXXX I had paid a bill through bill pay. I have been using bill pay for years. I had chose to pay XXXX XXXX 's XXXX for {$250.00}, to be delivered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get my account information at that time I was told they had not received a payment. I had called Chase I was told by the agent that a payment for {$250.00} went to XXXX XXXX XXXX XXXX  Informed the agent I don't have an account at XXXX XXXX I was told that I would have to investigate to find out who XXXX XXXX XXXX was. 'When questioned about the payment I had told the agent I did make a payment for {$250.00} to XXXX XXXX XXXX, it was then confirmed that the payment went to XXXXXXXX XXXX XXXX XXXX I had question the agent of how did XXXX XXXX XXXX XXXX appear on my bill pay, considering I did not set this up and it suddenly this bogus account is connected to my account. 
My chase account as of XX/XX/XXXX showed a pay bill payee name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; Phone number XXXX ; Account XXXX ; Pay-from account Main Account ( ... XXXX ) ; See on Schedule payment screen yes. XXXX XXXX XXXX Called back was told that I would have to investigate myself all through I got this information from by payee Chase account. I had called the phone number XXXX I had found this was a bogus account. I had copied all the transactions. Called Chase back the XXXX XXXX Credit Card payee account was gone from my account. I had reported the XXXX XXXX Credit Card was fraudulent. They had update my account with {$250.00} until they investigated my case. 
Received a letter from Chase XXXX XXXX per Chase I they found my claim was authorized, they removed the {$250.00} on or after XX/XX/XXXX. 
While Chase was investigating I had received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX named to XXXX XXXX XXXX, expressing that my account number is no longer valid. They credited my payment to the correct account. Called XXXX XXXX XXXX it was determined that a account under the name XXXX XXXX XXXX was opened XX/XX/XXXX and closed XX/XX/XXXX. They found {$250.00} sitting in the closed account. Per the agent they would sent me the money within 5 business days. 
I had called Chase XX/XX/XXXX to report my findings was told thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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:
Accordantly with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violented my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Customer service lied and told me I would be able to withdraw my funds from.a local branch after they closed my account before last case was resolved in my FAVOR. A letter from Capital Ome dated XX/XX/2022 states CLAIM # XXXX FOR ACCOUNT ENDING IN XXXX DISPUTE HAS BEEN RESOLVED. CAPITAL ONE CLOSED MY ACCOUNT TELLING ME IVE MADE TOO MANY DISPUTES IN BAD FAITH BUT I HAD PROOF THEY WERE ON THE SIDE OF THE SCAM MERCHANT AND CHARGED BACK THE FUNDS EVEN THOUGH I SENT IN PROOF. ALSO I AM XXXX AND MY SOCIAL SECURITY CHECK FOR THIS MONTH WAS BOUNCED BACK AND I STILL DONT HAVE IT. THAT IS ILLEGAL THOSE ARE PROTECTED FUNDS I WAS TOLD BY CAPITAL ONE MANAGERS AND REPS. ONY TODAY XXXX XXXX TOLD ME I HAVE TO WAIT FOR A FINAL CHECK TO BE MAILED TO ME I CSNT GO IN AND WITHDRAW LIKE THEY TOLD ME PREVIOUSLY. WONT LET ME TRANSFER SND I NEED MY MONEY NOW ESPECIALLY SINCE I STILL DONT HAVE MY SOCIAL SECURITY CHECK FOR XXXX. THIS IS MALICIOUS INTENT PLEASE HELP! THEIR CORPORATE PHYSICAL ADDRESS IS : CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX. I CANT PAY ANY OF MY BILLS OR MEDICAL EXPENSES AND XXXX XXXX THIS IS A SCANDAL AND I WANT THEM TO PAY FOR THIS ERROR!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
on XX/XX/22 I attempted to open my Chime app and was greeted with " Account suspended for suspicious activity '' XXXX XXXX XXXX XXXX'. i emailed the review email and got no response. I then called the support number over the next few days and talked with multiple supervisors saying that they are unable to do anything or unable to contact the department that reviews my account. they told me to email XXXX with documentation which I did and waited for about a week. I have around XXXX XXXX  in the account that I transferred from my XXXX XXXX XXXX account. I need this money for bills, gas, and food. I have gotten no update or anything back from them. this is ridiculous, shouldn't take this long when support said it would only be 1-2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: Thrift Investment Corp.
State: NJ

Complaint narrative:
Account was paid in full no late payments, negative remarks regarding repossesion are inaccurate. 

I recently received a copy of my consumer report and i noticed some late payments/reposession comments being posted on my consumer report.

THRIFT INVESTMENT Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S Code $ 1681b- Permissible purposes 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 any written instructions to furnish this account on my consumer report?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX Bank collections keeps contacting my parents looking for me. They have my phone number and address, they should be contacting me. I have never given them permission to contact anyone else. My parents are elderly and hard of hearing and do not need this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA was sent a certified copy of a letter to validate the debt that they say I owe. The amount of the debt is {$6500.00} and it is reported as a charge-off on my consumer report, to this day the account is being reported late with missed payments also no XXXX form was sent to fill out, As Defined By The IRS : Even if you didnt receive a form XXXX, you MUST report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as debt is inaccurate I gave them 30 days exactly and no response was given within that time frame. I then sent a notarized copy of my cease and desist letter demanding they remove the account from my report within 10 days being that I had not been shown any validation. The cease and desist letter allotted them 10 days to remove/respond to the letter. Again, no response and no removal. Certified tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I had called Aidvantage to request a refund of all student loan payments I made during the XXXX period. The Aidvantage representative who helped me at that time had submitted my request for processing, on XX/XX/2022. 2 months later ( XX/XX/2022 ) I check my account and noticed that only a partial amount of the refund was reinstated to my account. I immediately called Aidvantage about that discrepancy and the representative informed me that whoever submitted my initial request had filled it out incorrectly and only submitted the partial amount, which the XXXX Treasury had approved/processed. So now, I had to request a second refund request for the remaining balance, and it'll have to go through the entire waiting process all over again. I am very upset that the first representative had submitted the first request incorrectly because now I have to wait another 2 months to get that resolved. 

I'm sending this complaint in with the goal of communicating my frustration and for Aidvantage to do their jobs correctly because now I need to wait for the second request to be processed before applying for the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NM

Complaint narrative:
In the past 2 months, I have contacted Experian regarding the inaccuracy of my credit report and scores being reflected through my Experian XXXX XXXX membership. In the beginning, I was getting alerts on a regular basis regarding score changes due to changing balances and credit limit increases, now Im getting absolutely nothing although I pay {$21.00} per month for an inaccurate and outdated score and dont reap any of the benefits of the membership like Experian boost perks. The only benefit is I can conveniently lock and unlock my credit and on a monthly basis get a XXXX XXXX from XXXX and XXXX that go up according to lower balances and higher credit limits, but Experian has kept my score stagnant for the last two months, no longer sends me alerts although there are credit changes to my report that effect my score in a positive manner, and doesnt keep the information in my report accurate and updated. In addition, customer service is awful, especially when trying to reach a live agent. On each occasion, it takes a number of attempts to reach a live agent and when you finally do get through the agents dont have answers or solutions to your questions and problems and intentionally disconnect you! Consequently, I was hung up on today as soon as I expressed my concerns!

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 2022-10-22 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: MI

Complaint narrative:
On XX/XX/XXXX, I decided to look at my credit report on Experian.com since I have not looked in awhile. I noticed my lease for XXXX XXXX XXXX with XXXX XXXX XXXX was listed with a balance due. I paid this lease off in XXXX of XXXX, so this puzzled me. I phone XXXX XXXX XXXX on this date and they confirmed my lease was paid in full and they sent me a letter stating this dated XX/XX/XXXX. I proceeded to phone Experian on this date, XX/XX/XXXX and they did not provide any information other than starting a dispute, which I did on that day. On XX/XX/XXXX, Experian sent my results with no change. Now my XXXX XXXX XXXX XXXX is in the " negative impact '' column and my credit score decreased by XXXX points. I again phone XXXX with same results and also phoned Experian, stating this account was paid in full, nothing owed. I also began a second dispute on XX/XX/XXXX. On XX/XX/XXXX Experian notified me there was no change, after disputing. The XXXX XXXX XXXX line item on my Experian credit report now shows " Paid in Settlement, '' which it had not shown before. For the XXXX time, I phoned XXXX and also Experian on XX/XX/XXXX. XXXX told me account paid in full, not " paid in settlement. '' Experian advised me to upload the letter from XXXX showing this, which I did on XX/XX/XXXX. Today, XX/XX/XXXX I received the same negative notification from Experian, even after uploading my letter from XXXX XXXX XXXX. My credit score has decreased as well as the XXXX  information going into a negative column and not expiring until XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX XXXX XXXX XXXX account number XXXX with balance of {$680.00}, Account Name XXXX XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX  XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX  XXXX account XXXX. Account Name XXXX with balance or {$96.00} Account Name XXXX XXXX XXXX with balance of {$160.00} Account Name XXXX with balance of {$60.00} Account Name XXXX with balance of {$600.00} Account Name XXXX with balance of {$290.00}. has violated my rights. XXXX5 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 conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXAccount number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXXAccount number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.

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 2022-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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. 

XXXX  XXXX # XXXX, XXXX XXXX : # XXXX 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 2022-10-22 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. 

XXXX  XXXX # XXXX, XXXX XXXX : # XXXX 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 2022-10-22 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: NJ

Complaint narrative:
Account was paid in full no late payments, negative remarks regarding repossesion are inaccurate. 

I recently received a copy of my consumer report and i noticed some late payments/reposession comments being posted on my consumer report. 

XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S Code $ 1681b- Permissible purposes 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 any written instructions to furnish this account on my consumer 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 explanation