vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: GA

Complaint narrative:
I sent letters to all three burrow and updated my Information and to remove personal information that I don't want on my Credit report. According to the fair Credit act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802 No financial institutions is not suppose to share my Information to any third party people. 

This is a clear violation of my Federal protected consumer rights!

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and 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 2022-11-02 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-02 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: U.S. BANCORP
State: WA

Complaint narrative:
US Bank made two inquires on my credit without my authorization on XX/XX/2022 that are showing on my XXXX credit report. I called US Bank and they gave me the runaround and would not provide me with a deletion letter for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I used to work for XXXX XXXX  XXXX. XXXX XXXX has records of XXXX XXXX 's abuse and XXXX affiliation. XXXX XXXX assaulted my son on the bus, threatened me where I lived, trafficked me, held me XXXX, and committed debt bondage with my credit. Under the Debt Bondage Relief Act, I do not owe the debts because they were incurred as I was being held XXXX and enforce disappeared for asserting my rights. I was being threatened with XXXX on petty state level felonies. XXXX XXXX. XXXX was apparently taking hush money from XXXX XXXX XXXXXXXX according to my law enforcement sources. They have to disclose to their shareholders that they enforced disappeared a XXXX  over XXXX XXXXreaties. I'm asking that they wipe the credit card debt. After I was held XXXX they threatened to take my property under 42 USC 3631 and have my kicked out of the neighborhood. They are also responsible for XXXX my father under the 14th amendment. They aren't permitted to use the 16th amendment under 18 USC 878 and debt bondage. XXXX XXXX screamed at me about how my credit was going to take a dive. The XXXX that held me XXXX has a record that is over 5 pages long. They also had my car stolen. I'm filing a restraining order under 18 USC 246 and these corporations are not permitted to violate their torts or 18 USC 1513. I need to be able to get this done in one phone call instead of just repeating myself. XXXX XXXX has most of the other records and he is not permitted to suppress any more exculpatory evidence. They just aren't permitted to report these debts to the credit bureaus anymore. The applicable law enforcement agencies should have copies. It is not my intent to commit fraud. I legitimately don't owe the debts under the law. They aren't permitted to deny my rights to an attorney anymore either. They aren't permitted to misuse their office for private gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
First of, my English language is not fluent so a neighbor friend is helping me put into words what I want to say. She also helped me download recently a XXXX XXXX XXXX to monitor my credit because I have been a victim of identity theft before. And found out that there was another fraudulent account open and charges on an account that went into debt collection that I don't even have any knowledge of till 3rd quarter of this year XXXX. Called the debt collector company to inquire and dispute this account and they said the account in question was opened on XX/XX/XXXX with my name and social security but the address was of an old address where I used to live. I am currently living in a new area for about 4 years now since XXXX so that could not have been me opening that account and racking up whatever amounts it was stated it went up to without paying. I only have one credit card that i have opened and is currently still using which is a XXXX XXXX account. I disputed the collection on XXXX  and XXXX also and I just got back a response from XXXX that investigated and it was proven to be of fraud and that they are taking steps to remove this credit history collection off my XXXX XXXX XXXX. And Im still waiting on XXXX investigation to conclude. But I have called up the debt collection company ( Midland Credit Management ) and they told me I needed to write to FTC website about this and get an affidavit? which transferred me to this cfpb website and this is where i am at the moment. Thank you for helping me out regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX who had a business credit card through CITI. Three days ago, I had a {$10000.00} dollar limit with a balance of less than {$2000.00} which included a {$320.00} charge I was disputing at the time. I use the card sparingly with no issue and have no late payments. So, imagine my surprise when i get an email yesterday saying they've reduced my limit to {$1900.00}. Now instead of a XXXX limit with an approx. {$1800.00} balance I now have a {$1900.00} limit with an approx. {$1800.00} balance. This will tank my business credit, adversely affecting my opportunity to fund my business now and secure funding in the future. I feel like its racially and gender motivated because there was no other reason for this. They clearly don't support small business or maybe it's just XXXX XXXX XXXX XXXX. Even if this were a legit account review how do you go from {$10000.00} to {$1900.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
I asked the credit reporting agency Experian and XXXX to verify the account XXXX which I did not benefit or authorize nor do I have any benefit from to verify these accounts and they failed to dos.Iaskedthe original creditors and credit reporting agency. Therefore I am formally making this compliant against them because my rights per FCRA were violated and the credit reporting agencies sill reporting this fudulent account.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 at around XXXXXXXX XXXX  I deposited {$300.00} into my Bank of America account and the funds were not credited nor was there a record of my funds, I filed a claim with them and they have no record of the deposit, I am requesting the XXXX XXXX to check the camera on around XXXX on XX/XX/2022. I deposited the cash with atm ID : XXXX I am also requesting the CFPB do an internal investigation on this bank and the deposits at the time and date stated.

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 2022-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Since I was a graduate I have had trouble paying my loan. The company has since sold my account to another servicer who was subsequently sued for the practice as follows : instead of offering me any income based repayment options while struggling, they pushed me into deferment and forbearance until my loan is no longer manageable. The minimum due every month is five times what I was originally told my payment would be after graduating. While the company has settled in court to forgive the private loans it held for ther students, they told me my loan [ ffelp ] was ineligible as it was a " govt loan '' not " private. '' As recently as today they pushed me into another forbearance and told me unless I consolidate into a " direct loan '' there is no other option for me. I can't do it! My loan is over twice it's original amount and I see no way out of this unbearable weight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was victim of fraud and instead of helping they made things worse would not refund a false transaction even though I was told they would and it would show up in 2 hours it never did and put my account on hold even though all I did was report the fraud I couldnt access my money make payments causing me to not be able to pay rent car payments credit card that are on automatic payments. 
Treated me the victim like I did something wrong. 
XX/XX/28 transaction for XXXX fraud more than it was supposed to be XXXX account on hold for all funds need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Previous complaint number XXXX We deposited a mobile deposit check on XX/XX/22 for XXXX from a magistrate on XX/XX/22 it was taken out of my account from Wells Fargo stating it was a duplicate deposit with XXXX  XXXX I contacted XXXX  XXXX and it did not process because it was already cashed through Wells Fargo I've done 2 disputes and they continue to close them I want my money back the magistrate confirmed Wells Fargo did indeed cash this and they have the money Wells Fargo responded with sending the credit to XXXX XXXXXXXX but XXXX  XXXX did not cash that check so I need the funds put back in account it came out of

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 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I lost my wallet a couple times with my information in there Driver license Social Security and credit card someone use my information and going to the XXXX XXXX XXXX XXXX XXXX now my name is in collection for {$8900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is an attempted bank garnishment gone WRONG! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs CHASE ORDERS & amp ; XXXX  " Transaction Specialist ". There Has been mistake after mistake made by each party. 

CHASE BANK has been illegally holding funds in my personal bank account since XX/XX/XXXX. 

CHASE provided false information on their answer to the Citation to XXXX  XXXX  on XX/XX/XXXX, and again on XX/XX/XXXX. These errors have now caused my bank account to be illegally frozen twice. CHASE 'S initial answer to the citation to XXXX XXXX showed an incorrect present balance of over {$5200.00} when there was in fact only {$1200.00} in the account. 

CHASE has issued ( XX/XX/XXXX ) an amended answer to the citation with updated present balance amounts, but this new answer shows {$0.00} on hold. There was another hold placed on the account XX/XX/XXXX and the account is still frozen as of XXXX. The amended answer to the citation should show they are still holding funds, but it doesn't. 

The initial account freeze was lifted XX/XX/XXXX due to court order resulting from A {$4000.00} XXXX  exemption. 

There is A XXXX   exemption on file that is being ignored by CHASE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime sent me an email that was said to be from XXXX XXXXXXXX XXXX requesting proof of me being me and all direct deposits made to my checking account. Well I gave them the proof they requested on 2 separate occasions. Today they closed/suspended my account. I got my paycheck today and I am not able to get it to pay my bills and care for my kids. I called chime they claimed XXXX said I didn't send enough proof which I did I asked for a number to call and speak with XXXX I was told I could only email them through the emails they sent me I have not received any responses at all still can't access my account they have stolen my money money I worked hard for money that I need to care for my kids they stole it and keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion and XXXX did not dispute what XXXX provided, all documents are below explaining everything.

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 2022-11-02 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX  accounts have reported inquires that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX has violated my rights. 
Amex XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX NOT MINE! 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has willfully failed to comply and block the reporting of the items i identified as a result of identity theft. Congress states they have FOUR ( 4 ) business days to do block and delete information as I provided everything needed to do so. CFPB Complaint # XXXX as reference.

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 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I am very upset with western union money transfer company. when transferring money internationally and they are not willing to give the receiver the currency in dollar instead they benefit from rate exchange by setting their own rate and absorbing the remaining fund for their own greed and benefits even though the rate in the designated country much higher. Also on top of that western union charge another fee for wire transfer, for example I used them before where they used to give the receiver in dollar currency but now everything changed for their own benefits and without any valid explanation. Recently I send {$1400.00} to XXXX to help family member with eye XXXX they used to charge around $ XXXX on average but now they do the rate exchange by ripping me off with over {$75.00} for the amount noted this would cost over {$90.00} to send {$1400.00}.

Company response to consumer: Closed with explanation