vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX unauthorized transactions have been made on my Chase debit card totaling more than {$1500.00} resulting in my account being overdrawn and my cards having to be cancelled. First unauthorized transaction on XXXX XXXX for {$1300.00} at a XXXX grocery store in XXXX Georgia and then on XX/XX/2023 for {$200.00} at another XXXX grocery store in XXXX Georgia.This is really hurtful and traumatizing. I have bills I have pay and a family all I can do is breakdown and cry because my family is suffering because of this. I talked to a representative of Chase Bank and was told this would be quickly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Received a CHIME XXXX debit card in mail and called customer service number on back of card ( XXXX ) to close fraudulent account. I requested account to be frozen and closed immediately in which agent said it could take 3-5 business days. 

Agent would not provide confirmation the account was frozen, nor a confirmation # or ticket number for discussion. There were Managers or Fraud Department specialists to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
XX/XX/XXXX I was working for XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXX XXXX On The Job and Went through Workers Comp and was paid and told by my Attorney XXXX & XXXXXXXX XXXX XXXX XXXX ) That ALL MEDICAL BILLS Would be paid for and not to worry XX/XX/XXXX a collection debt appears on my credit report stating I owe {$1000.00} dollars from a debt collection called Wakefield & Associates I dont own this collection when I was seen through workers comp I have documents showing proof and Ive been trying to get this removed immediately off my credit report because its hurting my score to even purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my XXXX XXXX and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
For the past several YEARS ; I have been a victim of XXXX ( min civil suit penalty of $ XXXX for life-threatening damages ) practices by organized XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Nevada XXXX Texas XXXX New York, and XXXX who have engaged in a pattern of XXXX  activity. My identity was stolen. My medical records were XXXX XXXX XXXX XXXX XXXX. There has been interstate stalking and harassment. My children  were injured and they are influencing the case by trying to get the XXXX driver a lighter sentence than a felony. They injured my XXXX brakes, and tampered with my gas tank which totally damaged my vehicle to prevent me from traveling. They have people on the payroll who abuse the mailing system to delay and withhold my mail on purpose. I opened my account at PNC Bank back on XX/XX/2022. Everything was fine until late XX/XX/2022. I started having issues with my debit card transactions. Employees who XXXX need another background check ( Level XXXX ) at PNC Bank kept changing my mailing and billing address. The past couple of days, I have had weird conversations with employees stating 'they need to know exactly where you live - your physical address where you are '. The constant changing of my address is causing my transactions to decline and wire transfer issues with XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 Trans union 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted 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 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 2023-02-18 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 the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c XXXX 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 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 2023-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. Auto Sales Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I went into US Auto Sales- XXXX - XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX with my pre approval to make a Consumer Credit Transaction to receive Financing for a vehicle. 

This XXXX expressed that they were under TRUTH IN LENDING and continues using Confusing or misleading advertising or marketing requiring down payments or installments to be made in connection with financing. Pursuant to 15 USC 1662 [ No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit XXXX state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a ( specified downpayment is required in connection with any extension of consumer credit ), unless the creditor usually and customarily arranges downpayments in that amount. ] I know that I am a Consumer and as a consumer it is my credit that is being extended for financing to be possible and that once I am approved for financing then I should not be required to make any cash payments or installments pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX the sales representative along with XXXX the XXXX continued to use High-pressure sales tactics to enforce a downpayment although this was a XXXX XXXX transaction. 

I have intentions to purchase the vehicle in good faith as personal property to have a reliable means you and from work. Due to these unfair and deceptive practices I have been fraudulently denied the right to extend my credit and act as a consumer and would like to claim damages loss due to this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MA

Complaint narrative:
I recently checked a copy of my credit report. I discovered several legitimate accounts that I opened and that belong to me are reporting some fraudulent activity. I also discovered accounts that I do not recognize, that were fraudulently opened in my name. I am the victim of identity theft. 

On XXXX XXXX, XXXX I was XXXX  for violating the terms of my state and federal probation. On XXXX XXXX, XXXX I was subsequently sentenced to a term of XXXX in federal court. Shortly after the state of Massachusetts sentenced me to a concurrent sentence ( running together ). I was released from XXXX to home confinement on XXXX XXXX, XXXX and immediately resumed employment. I was never charged with or convicted of a crime. Again, this was the result of a technical probation violation for suspicion of committing a crime. 

As a result of my XXXX I was obviously unable to utilize my legitimate accounts. Also, several fraudulent accounts were opened in my name. All activity from XXXX XXXX, XXXX through XXXX XXXX, XXXX is fraudulent and should be removed. 

I filed a police report and notified all the creditors as well as the 3 major credit bureaus, TransUnion, XXXX, and XXXX. XXXX and XXXX have already removed the fraudulent activity. TransUnion has not. 


NOTICE via USPS certified mail with return reciept Please see all supporting documentation including : A copy of my credit report with the fraudulent entries and accounts highlighted in pink. 
A copy of my state drivers license, social security card, and US passport to verify my identity. 
A copy of the police report I filed with the XXXX Police Department. 
A copy of a recent credit card statement from one of my legitimate accounts to verify my address. 
A copy of the US District Court judgment sentencing me to prison. 
A copy of my prison ID. 
A copy of the Federal Bureau of Prisons sentence computation verifying the dates of XXXX and release to home confinement. 
A copy of the state of Massachusetts docket sheet showing my concurrent state sentence running side by side with the federal sentence. 
A copy of the bill for XXXX and proof of payment.

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 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-02-18 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX  % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681-2 ( 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 2023-02-18 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title XXXX  XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
This company called me repeatedly and threatened me with arrest and jail. Put negative reports on my credit for collection. Ruined my XXXX XXXX. Needs to be removed from my XXXX report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: VA

Complaint narrative:
Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXX XXXX XXXXXXXX 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service regarding their legitimacy in collecting a debt on behalf of XXXX XXXX XXXX. I have received a notification from Diversified Adjustment Service stating that I owe a debt of {$29.00} for an outstanding balance on my XXXX XXXX XXXX XXXX  bill. 

However, I have concerns about the legitimacy of this claim. I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXX bill, and I have proof of payment. Additionally, I have not received any notification from XXXX XXXX XXXX that I owe a debt to them. 

Furthermore, I have concerns about how Diversified Adjustment Service obtained my personal information, including my account number, name, address, and bill details. I am deeply concerned about my privacy and the potential for my personal information to be misused. 

I am requesting that the Consumer Financial Protection Bureau investigate the legitimacy of Diversified Adjustment Service 's claim and how they obtained my personal information. I am also requesting that you take steps to protect my privacy and prevent any further misuse of my personal information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation