vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 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 received a text from what I thought was JP Morgan chase fraud services stating that someone was trying to XXXX {$2000.00} out of my account and did I authorize the payment I responded with no about half an hour later I got a call from what came up as JP MORGAN Chase on my caller ID and they were stating that I did have an issue with my account in which they needed to transfer funds in the amount of {$1300.00} to myself through the XXXX payment portion of my chase mobile app to fix put a hold on my account and combat the people trying to steal money from my account in which I did so and the money did got transferred to someone else 's account when I thought it was staying in my account and I thought I was dealing with chase fraud services well I was a little off put about it so I went to my local branch afterwards and they said that no one had tryed to contact me through chase and I called the number back and it had the same voice prompts as the actual chase number they gave me the actual chase number to file a claim and they told I was involved in a phishing scam so I did file a claim and they said that because the it was through XXXX it might not be returned and I wouldn't have an update till the XXXX of XXXX and afterwards made a Police report to go with the claim still feeling uneasy I went and talked with a banker at the branch the next day and the woman I talked with was very concerned and confused on why it would take so long to do get a response and why I might not get my money back and was actively trying to work on my case then I guess she transferred out and was replaced by a different woman who also said that I probably would not see my money come back but she called and asked the status of the claim and the next day the bank sent me a notice stating that because both parties mutually agreed no action would be taken and the claim was closed in which I never agreed to such terms and called the online banking number right after and they said they tryed to recover funds but nothing could be done I tryed to contact the branch to speak with the woman I originally talked to I left a message and have gotten no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-05-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account number XXXX XXXX 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 with my written instru
ctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account number XXXX XXXX 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 with 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 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment from my debit card that is Capital One bank account as well on XX/XX/2022 for the amount of {$170.00} from my debit card linked to capital oNe bank account. It is capital One policy that they do not put hold on any Debit card payment. even-though this is also Capital One debit card and they were able to confirm the owner ship of this account with 360 checking account department, they still put it on 60 days hold. After numerous calls and filing complaint with CFPB, they reached out and apologized for the inconvenience and mistake and released the hold. Today my card was restricted again and they are asking me again for the proof of bank statement for the same payment that they have already verified and apologized for!! I asked to speak with the case owner who did that but they would not let me speak with me. I am leaving out of the country and this has caused me severe financial an d emotional distress. I strongly believe this can have discriminatory basis and will demand investigation and will also pursue legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX. 
DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-22 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
As a business owner, I signed up for credit card processing and paid fees and membership. When I cancelled the service - returned the equipment, soon thereafter I received notification someone purchase this collection debt - that I owed them XXXX. 
I complied with their demands- do not understand why they are billing me XXXX- i received no billing and do not understand why I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX. 
DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX. 
DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number 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 : It also states a consumer reporting agency can not furnish an account with 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 non-monetary relief
Consumer complaint received 2022-05-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an authorized User account on my Equifax credit report. This is a charge-off account, therefore negative, that I am not financially responsible for due to me being an authorized user only ( shows that in attached Equifax Credit report ), and I disputed this item with Equifax and XXXX. XXXX deleted this charge-off account from my credit report IMMEDIATELY ( see attached XXXX dispute results and XXXX credit report ), and Equifax did nothing, only verifying the item belongs to me. ( See Equifax Credit report and Equifax Dispute Results ) Please remove this negative item from of my report immediately. I have attached also excerpts from both Equifax and XXXX websites that further say that authorized users are not responsible for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pulled a credit report from Equifax. No reported late payments. Then there was a negative information area. Says there are 4 negative items affecting my credit. Don't recall these items so I was going to dispute them for accuracy. On the negative information box, it states four accounts.

1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4 . XXXX. XXXX XXXX. 

1. XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments. XX/XX/XXXX and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' No sure what to do, I can not dispute it. 

2. XXXX XXXX XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments and a 60-day late payment. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 3. XXXX XXXX account ending in # XXXX. Under payment status it states there is one thirty-day late payment. XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 4. XXXX. XXXX XXXX Account ending in # XXXX. Under payment status it states there is one thirty-day late payment ; XX/XX/XXXX and a sixty-day late payment ; XX/XX/XXXX. When I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' That being said those are listed as negative. But on another part of my credit report is states 0 late payments for all these accounts listed above. I will provide attachments of what I see and the steps I take to resolved them with the credit bureau.

In accordance with the law, 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR ANY PURPOSE. 

15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Also, In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX. 
have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
As a business owner, I signed up for credit card processing and paid fees and membership. When I cancelled the service - returned the equipment, soon thereafter I received notification someone purchase this collection debt - that I owed them XXXX. 
I complied with their demands- do not understand why they are billing me XXXX- i received no billing and do not understand why I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: IL

Complaint narrative:
I do not recognize any of the inquiries I listed down below I wish to have those inquiries removed as soon as possible I have listed name of each inquiry and each date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: IL

Complaint narrative:
I do not recognize any of the inquiries I listed down below I wish to have those inquiries removed as soon as possible I have listed name of each inquiry and each date

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 2022-05-22 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: CA

Complaint narrative:
Recently I pulled an XXXX credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX status : open responsibility- joint XXXX XXXX XXXX opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX  status XXXX open responsibility : individual XXXX XXXX XXXX opened XXXX XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.

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 2022-05-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX 2. Account - XXXX from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have 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

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 2022-05-22 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: AL

Complaint narrative:
Recently as of XX/XX/XXXX Experian started reporting an account that surly was charged off prior to XXXX. However, Experian is reporting the information as only for XXXX which reflects the accounts as new stating that I recently had 2 accounts with late fees. The accounts in question have been charged off prior to XXXX. Also, charged off accounts should not in fact be reporting any late fees or recent late activity, the account has been completely charged off how can it inquire any additional fees. I have disputed both accounts twice and Experian is reporting that the information is accurate without updating with actual information. Based on inaccurate information being reported I am requesting that both accounts are deleted. Below in the attachments you will find the dispute and the information that was only updated. I do not have any recent delinquencies and my account should not be reporting as recent.

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