vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I attempted to have the XXXX XXXX office show me where I owed them money, & they never provided me with a bill / invoice before sending me straight to collections. I still have not seen the itemized bill for what I supposedly owe. Now that I am trying to get to the bottom of this as it is effecting my credit, I can't get ahold of the collections agency. I think they are no longer operating. The company is called Merchants & Professional. None of their phone numbers/ websites are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

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

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 2022-11-18 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to equifax to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Equifax that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Equifax. I also received a copy of my XXXX  XXXX credit report showing proof that it doesnt exist and Equifax us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Claim XXXX I am requesting this claim be opened back up and I be issued a temporary credit again The company has received the items and is refusing to refund me I have proof of the items being sent back with the return label they provided they say they will not issue a refund for what ever reason this is theft I'll attach the XXXX  label I used to send the Items back Return information-XXXX  Shipping company -XXXX  Order number XXXX and order number XXXX For order number XXXX the company was paid a XXXX  claim for a loss package and are still refusing refund Return tracking number XXXX Shipping company 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 monetary relief
Consumer complaint received 2022-11-18 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: SC

Complaint narrative:
I am requesting documentary proofs ( the hard copies ) providing Equifax my written permission or instructions to furnish the listed negative accounts on my consumer report, which are attached to this complaint. 

Please do not send any debt verification or validation, only provide me with a hard copy of my written permission or instructions ( my written proofs ) for the referenced accounts with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-11-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Mercedes Benz Financial Services
State: NV

Complaint narrative:
XX/XX/2021 Mercedes Benz {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I closed my XXXX account in XX/XX/2021. The company said that in XX/XX/2021 they returned my {$990.00} by electronic transfer to my Chase bank account, which is the originator of the fund. However, I have never received it. I contacted XXXX more than 7 times, but can not solve the problem. In our last conversation XXXX weeks ago, XXXX said the money is at Chase bank and asked me to contact Chase bank. However, Chase bank said they did not see it. It is really hard for a customer to be pushed between these XXXX banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: NY

Complaint narrative:
Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the accuracy of this account being negatively reported on my credit reports with Experian ; This account in question has Been Closed and is in error reporting by Experian continuously. They are saying in replies that the " account was verified '', which is NOT TRUE ; it was Not verified and IS Inaccurately reporting. 

XXXX XXXX support services have been also notified and they have CLOSED this account after recognizing it was a Double reporting of the Same account! 

Therefore it must be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a ) ; this account begining in ( XXXX ) was not verified for accuracy. 

It is not supposed to be reported by any agency. And Proof of its accuracy was NOT Determined nor sent to me as requested by Law.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My checking account has been frozen and I disbanned as a capital one client. I accepted a {$400.00} XXXX  transfer for the extra XXXX XXXX ticket I had. I transferred the ticket via " XXXX digital transfer '' ( see attached ). This person, XXXX XXXX, is trying to defraud her financial institution by claiming something was wrong with her ticket! As XXXX guarantees, 100 %, that the digital ticketing, the very method I used to send her the ticket, is legit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA responded to my complaint that i submitted here, They are refusing to do anything .They still cant explain why they chargeoff fraud my account .But they say no fraud occured, This makes no sense to me. Is there another person that i could go thru at this bank, The lady XXXX XXXX was very unknowledgeable of accounts and said that they just respond to comp ; laints .She could not answer the question, I think its probablhy internal fraud the way she could not give me any reasons,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to Transunion to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Transunion that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Transunion. I also received a copy of my XXXX XXXXXXXX credit report showing proof that it doesnt exist and Transunion is not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have disputed this information with the Credit Bureaus and denied my rights to a fair investigation. The creditor is inaccurately reporting as a XXXX XXXX on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a XXXX c documents of the write off or a validation in my investigation. Also, according to my recent reports, the reported closed dates have been altered since the original reporting date. This is conflicting with the Statute of Limitation denying me my rights to a fair opportunity of receiving an accurate report. In addition to this, the account is inaccurately reported as Past Due. 
This account is linked to an address that is foreign to me yet they still are reporting negatively to my Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I got a call from XXXX  for a unknown transaction. They were able to access my phone and bank records without me giving any information to them. The guy on the phone told me that he will go into my account and fix it bc he said someone was trying to hack my account. I never gave them access. If fact he was the real hacker and when I opened the online banking I saw he had already done 2 big transactions with value XXXX and XXXX, without my consent. 
I called them back to ask what was going on and he said the money will be back on XXXX. The next day I went to the bank and they took my declaration and said the bank will trace your money and bring it back to you. But its been exactly a month and nothing has changed. The bank is declining my claim, saying i was the one that gave them the information, where in fact they already had everything and accessed my online banking without me touching any button. 
My bank account was hacked and the money which is supposed to be safe there is deducted and all they're saying is that this is my fault. I lost all this money. Im begging you to help me get my money back as the bank did nothing to help. We are supposed to be protected by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to Experian to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Experian that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Experian. I also received a copy of my XXXX XXXX credit report showing proof that it doesnt exist and Experian us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.

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 2022-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, JP MORGAN CHASE BK DBA CHASE Auto committed aggravated identity theft by misusing the social security number provided, furnishing a deceptive contract and attempting to extort additional funds out of the consumer for JP MORGAN CHASE BK 's personal benefit. The consumer was coerced to sign a contract that fraudulently forced them to relinquish their rights and security interest. On XX/XX/2022, they illegally stole property from my place of residence, and present day, is using the property they stole to blackmail me. This came after the right of rescission was exercised on XX/XX/2022, and also resubmitted again on XX/XX/2022 via fax and certified mail. Though the deceitful contract was originally signed, it was signed at a time without proper knowledge of the correct legalese, nor was an attorney present to be of positive representation on behalf of beneficiary. JP MORGAN CHASE BKXXXX XXXX XXXX XXXX knowingly withheld imperative forms and documents which disclosed rights available to the consumer/beneficiary, that was to be furnished at the time of the contract being signed. All of which caused great anguish to the natural woman, and the company to perform unlawful embezzlement. 

Violations : 15 USC 1605 15 USC 1635 / 12 CFR Part 1026.15 18 U.S. Code 1028 18 U.S. Code 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-11-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: VA

Complaint narrative:
My report is showing XXXX as the servicer for my student loans but the correct company is XXXX and this needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Dear Sir/Madame, At XXXX of XXXX we sent the payment in US dollars from our account in XXXX ( XXXX ) to XXXX via the Bank of New York Mellon as a payment by contract ( buying a sanitary ware and accessories for a bathroom ). 
Amount : USD XXXX XXXX : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
We tried to cancell this payment but we didnt get an answer. 
Please, let me know how we can get back our money. 
Thanks in advance. 
Best regards. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
Debt was paid prior to being sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/22 I applied for a capital one quiksilver credit card. There was a deal for if you spent {$500.00} in 3 months you get {$250.00} back. I applied. They did a bait and switch and offered me a {$5000.00} card that was exactly the same but without the cash back deal. Here 's a list of why I was denied, they also replied with I have a XXXX credit score which is untrue based on XXXXXXXX XXXX and XXXX website for credit check I'm around XXXX. Why offer me the same card, run a hard check and not give me the cash back deal and supply these reasons. I turned down the {$5000.00} card. 

: Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history Based on your credit report from one or more of the agencies on the back of this letter, there are too many new revolving accounts Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving account

Company response to consumer: Closed with explanation