vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, XXXX  XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 A states that I have a 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 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recieved my tax refund of {$16000.00}, on a cashiers check from the XXXX  XXXX XXXX XXXX on the date of XX/XX/2023. At the time i had lost my ID and did not have my own bank account so a close friend of mine offered to cash it with her bank since she has done it before so we went down to Chase Bank to their branch in XXXX CA with the whole check check stub still attached sothe bank teller instructed us to do a third party endorsement ias the owner of the check shoukd write on the back " Pay to the order of " and insert my friends name right after then put my signature right under that and that that would make it a proper third party endorsememt then for my friend to sign it and deposit it into her account so shedid and then we handed it to the teller thenranthecheck immediztely they placed a 30 day hold on it saying the funds would be released after 30 days. We called XXXX  holds department to see what we could do about lifting the hold because i wanted my money before the they told us they needed to verify the check by XX/XX/2023 they did verify the check with XXXX XXXX  XXXX XXXX XXXX ( the issuers of the check ) So theyverified the check and recieved the money but come 30 days laterthey wont release the funds not only that they completely closed my friends account and for them to be released they wanted a number that is tied to my name the cell phone number i had wasametro pcs number on a family plan under my fathers name so i went down to XXXX GOT a brand new phone plan under my name then called XXXX gave them that number and Chase bank wouldn't accept it because in whatever database they run the number through it doesnt come back to the same name thats on the check which is my name i called the phone company they assured me its in my name so then i went with. A XXXX and got a phone withthat company since XXXX would be tied to my credit then it should be under my name i did that and Chase Bank still wont accept it ive even gotten an obama phone withthegovernment and not a single one of the numbers will work me along with my friend whos the owner if the XXXX account and XXXX the owner of the check have called somanytimes i haveeven gone down to the chase bank with XXXX of ID including my state ID and they will not release the funds that they dont do in person verifications anymore that they will onky verify it through the phone ive begged the issuers of the check to recall it but they say they cant do anything because they already funded it to the bank and it would have to be resolved with Chase XXXX dont knowwwhat else to do i XXXX XXXX to get a phone number that chase bank XXXX XXXX every dber ive tried they wont accept it theyre just keeping mY money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 

RE : Last XXXX XXXX XXXX To whom it may concern, 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. Experian has violated my rights.

15 U.S.C. 1681 SECTION 602 A states 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.
15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 


ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX  XXXX  XX/XX/2021 Experian XXXX XXXX  XXXX  XXXX  XX/XX/2021 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 2023-07-06 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: SC

Complaint narrative:
I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, FMCC XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 A states that I have a 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON TRANSUNION, XXXX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX5 U.S.C 1681 SECTION 602 A states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 SECTIONc. ( 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 1681 SECTION 602s2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I put in a dispute claim with Wells Fargo about 2 transactions I used a different form of payment I emailed them proof that I paid a different way but their rep. Decided to deactivate my card due to fraud but I specifically said it wasnt fraud. Now I cant pay my rent with my debit card because thats the only form of payment my apartment takes. The agent did that on purpose because I asked to speak to a supervisor and he refused so I hung up and called back to get a different representative! This has caused my rent to be late and Im stuck with a XXXX $ late fee due to him being wicked towards me! I need some type of help with this situation asap! Not to mention I didnt even know my card was deactivated till I tried to order my kids food. He didnt even have the decency to reorder me a new card

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase increases my APR several times a year without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: CA

Complaint narrative:
Please see attachment Equifax is showing late payments for XXXX, XXXX and XXXX when this account was closed over 7 years ago. Why are they showing late payments on an account that is paid in full and has been closed way before this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: GA

Complaint narrative:
On XX/XX/2023, I signed a consumer credit contract with BMG LOANS AT WORK. The signing of the contract means that it was endorsed. This contract is subject to the Truth IN Lending Act. This contract has false and misleading statements that violate the CFPB RULES and U.S Codes. 

BMG required that I set up preauthorized electronic funds transfers as a condition for an extension of credit. This requirement violated 15 USC 1693, compulsory use of electronic fund transfers. This requirement was false and misleading and has caused me great harm. 

On XX/XX/2023, I mailed off a billing error according to 15 USC 1666. BMG has failed to respond to the billing error as required by law but continues to attempt to collect alleged debt violating 15 USC 1666a. 

BMG threatens to send late payment to credit reporting agencies, although they have not sent the required disclosures under 15 USC 1666b, timing of payments. Section 1637b of title 15 has over 11 requirements to be disclosed in connection to a payment and I have not received one. Without such disclosures no payment should be treated as late, and to communicate such misleading information is a violation of 15 USC 1692e. 

BMG LOANS AT WORK is stating that there is a positive balance on the account. 15 USC 1666d explains how treatment of credit balances should be handled in a consumer credit transaction. BMG LOANS AT WORK is requiring that I pay the balance although the law states otherwise. Demanding I pay the positive credit balances is false and misleading practice BMG LOANS AT WORK has given false and inaccurate information and failed to provide information which creditor is required to disclose and is criminally liable under 15 U.S, C 1611 and failing to meet the requirements hold the creditor civilly liable under 15 U.S.C 1640

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: GA

Complaint narrative:
I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification XXXX, trans union and XXXX has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.

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 2023-07-06 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: GA

Complaint narrative:
I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification XXXX, XXXX XXXX and Experian has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to file a complaint regarding an unresolved payment issue with my Amex Delta Skymiles Gold card ( XXXX ) On XX/XX/2023 the amount of {$650.00} ( transaction number : XXXX ) I made a payment through my XXXX bank account ( bill ) to settle the outstanding balance on my American Express card. The funds were successfully debited from my account, and I received confirmation from XXXX regarding the transaction. 

Despite providing American Express with the proof of payment, including the transaction receipt, they have repeatedly failed to acknowledge the payment. I have made numerous attempts to resolve this issue by contacting American Express customer service representatives, but they have not been able to assist me in recognizing the payment. They insist that no payment was received, despite my documented evidence. 

I have also reached out to XXXX bank multiple times to seek their assistance in resolving this matter. According to XXXX, the payment was indeed processed successfully, and they have confirmed that the funds were deducted from my account as intended. However, XXXX has stated that there is nothing further they can do to help, as the responsibility lies with American Express. 

As a result of this unresolved issue, I am now in debt with American Express for an amount that was already deducted from my bank account. I have neither received a refund nor have I been credited for the payment made. This situation has placed me in financial XXXX and has caused significant inconvenience and frustration. 

I kindly request your intervention in this matter to ensure that American Express recognizes the payment made, refunds the amount deducted from my account, and rectifies the discrepancy in my credit card balance. I would greatly appreciate your assistance in resolving this issue and preventing any further financial losses on my part. 

Please find attached copies of the payment receipt and any supporting documentation for your reference. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Best buy charged my credit card XXXX after I paid off the card. They charged me for a subscription I didn't authorize them for they are scamming me 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 monetary relief
Consumer complaint received 2023-07-06 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Been a victim of cybertheft which is unlawful under FCRA

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