vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: PA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-11 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: PA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-11 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: PA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX  has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NC

Complaint narrative:
How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires 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

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 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
XXXX XX/XX/2021 I transfered {$800.00} to a different email that was also my email but did not have a serve account linked or registered to the email. I have alerts that get sent to my phone when there is activity on my accounts. I have proof that the {$800.00} was subtracted from my balance and transfered and I never received it and it never got out back in my account. I have been told it was cancelled I have been told I received it. I have been trying to speak with the right person about this situation for over a year now. I have had a couple dispute numbers that when I call serve customer care they basically lie strait to me or tell me something different everytime and when I would actually get threw to a person that speaks half decent English and would take 5 min to look into my situation they would eventually hangup on me because they never had an answer why it clearly shows the {$800.00} dollars taken out and it was never received because the other we email was mine also. And I was told when it got cancelled the same day I made the transfer that it went right back on my account. But I have my balance sent to me everyday and if it takes up to 3 days to show up back on my account I have balance alerts 5 days after the original transfer I tried take showing that {$800.00} is subtracted from my account when you subtract all of my transactions that made. I have been hung up on lie to over a hundred times. I would have contacted this place a year ago but I clearly was not reading the small print. I was understanding that everytime I would ask for a technical support or a manger that they where supposed to help which they didn't. I have pictures of everything evidence showing my complaint. I am owed {$800.00} and have not been showed any respect or got any help on how to go about thiss

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
Collection Debt Not mine never signed a lease only did a tour

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: NC

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 XXXXXXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATION/XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NC

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 XXXX XXXX XXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIOXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 of 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 2022-10-11 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: NC

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 XXXX XXXX XXXX XXXX *DEPT OF EDUCATION/XXXX XXXX *DEPT OF EDUCATION/XXXX XXXXXXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 of 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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX my bank account was scammed by a payday loan company l found online which was fake.He received my account information from me putting my application in online and made fake claims on my account in one day l was not notified by fraud department or chase for suspicious activity.They credit my account with funds which he made claims from.They didn't credit me for money he took they making me pay XXXX back from the credit they sent to my account for the claims. I been explaining for 2 months what happened took in evidence l was scammed they refused my paperwork and declined my actions.l want to do a investigating because the scammer were calling me from chase bank phone number and different numbers and they let him do 7 claims on my account in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants Acceptance Corp
State: FL

Complaint narrative:
I called the company in XXXX to ask them to not contact any phone number outside myself and my boyfriends personal number. This is after they had contacted my boyfriends job and given his former boss information about the debt. On XX/XX/XXXX they called my mother and left a message. I again called them and requested they not contact any number about my debt but the numbers I provided and the agent essentially said theyll contact any number they find in a search to try and collect. After I explicitly stated yet again that the only numbers to be used for my account are the numbers we have for our cells. The agents have been dismissive and rude every time I call. It shouldnt be hard to expect my private information to stay private. Or for them to only contact the numbers we provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX XXXXXXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.

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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SILVERGATE CAPITAL CORPORATION
State: NY

Complaint narrative:
On the XXXX of XXXX, XXXX, I wire transferred {$3000.00} ( XXXX XXXX XXXX  ) from my account at XXXXXXXX XXXX XXXX, XXXX, to Silvergate Bank in favor of XXXX XXXXt account where my son has an account. The intention was to purchase crypto currency with the money. XXXXXXXX XXXX  confirmed the transfer by swift message. However, the money has never made it to XXXX XXXX account to fund my son 's account. I contacted XXXX XXXX via email and they confirmed that no money was received. I wrote an email to Silvergate Bank on the XXXX of XXXX, XXXXXXXX, and I have still not received a repky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022, someone had hacked my mobile wallet and gained access to the the chase mobile app. That person was able to add his own phone number and was able to make deposits 3 hours away from where I live. I live in XXXX and that person was doing transactions in XXXX I called chase bank to address it but they told me that they will close my account. Chase can not prove that those fraudulent check deposits were mine. Instead they closed my account without any proper investigations. 

I know I wasn't responsible for those deposited checks. Chase should've looked up the login locations or XXXX because the {$4000.00} mobile deposit and those ATM transactions in XXXX and in XXXX ( where that person stole my banking information ) was not ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: KY

Complaint narrative:
This company made no attempt to verify this debt to send me any validation that I owe the dead and they are not licensed to collect this debt in Kentucky

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 2022-10-11 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had a old navy card and they switched to barclays and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This BARCLAYS has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the XXXX  XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.

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