vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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:
You have have reported transactions on my credit profile between myself XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, according to the FCRA to 15 USC 1681a ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3, the term consumer report does include reports contain information solely as to transaction. My transaction history between I and the creditors are EXCLUDED from the consumer report. Delete all these alleged late payments, ALL items marked late as demanded. My federally protected consumer rights are being violated. I am being harmed financially, emotionally and physically due to these unfair and defamatory remarks. On several occasions I have demanded that the credit reporting agency uphold 15 USC 1681 that my privacy be respected the financial institutions have all failed to provide disclosure XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, that would allow me to opt out of reporting transactions. we are in an arbitration and there is a charge off from XXXX on my credit profile. I demand that it be taken off. This is my final notice before filing a law suit for injury. I have not been able to find stable housing due to your defamation of charter on my credit profile and I have filed with the FTC aggravated identity theft. As you are acting as the one whom knows more than me what is and what is not valid on my credit report. Although I have disputed According to 15 U.S.C. 1692 ( e ) ( 1 ) is a subsection of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Specifically, this subsection provides that a debt collector may not : " ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) The false representation of -- ( i ) the character, amount, or legal status of any debt; or ( ii ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ''

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 2023-05-12 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: GA

Complaint narrative:
THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO XXXX, XXXX AND EQUIFAX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/2023, XXXXXXXX XXXX  Loans sent an {$8000.00} payment to Barclays for my " Old XXXX XXXX XXXX Card ''. According to XXXX, this payment came through " XXXX XXXX '' as a paper check and was cashed by Barclays on XX/XX/2023. After this payment had already posted and been taken out of the personal loan, Barclays recanted the " paid '' status on the payment and revised it to a " provisional credit ''. On XX/XX/2023, I reached out to Barclays for more information on this change. Upon that conversation, they opened an " investigation case '' and told me that it could take up to two billing cycles for the investigation to be completed and I would not be responsible for interest or other fees during the investigation process. On XX/XX/2023, I reached back out to Barclays with more information, providing them with the account and routing number of the check. Barclays gave me a case number for the investigation at this time. On XX/XX/XXXX, I reached back out to Barclays ( after receiving a threatening letter in the mail that my account was not in good standing and I needed to contact them immediately ). I reached out to XXXX XXXX Loans at this time and had them fax an official declaration of payment, showing that Barclays had cashed the check and applied it to an account. It had not been returned to XXXX XXXX Loans. On XX/XX/XXXX, I got a call from a collections bureau, once again telling me that my account is not in good standing and I need to make a payment immediately. I have asked where the payment is at this time and they have no answer. You can not speak directly to the investigations team. There is no avenue for that. I once again started chatting with the online chat help and they stated that they could not really do anything without me calling into the customer service department. Barclays has only reached out to me twice, once through a written and mailed letter and now once through a debt collections bureau. I still don't have an answer to where this money is now or when it will be located.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
As of XX/XX/2023 National Credit System is still reporting a collection account with the 3 credit report companies ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$1000.00}. 
I have been disputing this account with the XXXX credit bureaus for years! I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
I have attempted repeatedly to have First Financial Bank report my mortgage payments to the credit bureaus by filing disputes. My mortgage is current and the payments have been timely the past 6 months, however, they are not showing the account as open, but closed and have not reported any payments whatsoever. This is crucial to my ability to improve my credit score which is also detrimental to acquiring work, credit and refinancing to name a few. I simply want them to report my payments to the three main credit bureaus : XXXX, XXXX and XXXX so that they have a record of my payments and show my account as open not closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have been locked out of my ALLY bank account since XX/XX/XXXX. I have had multiple, more than XXXX contacts with ALLY with no satisfaction. They keep telling me they know what the problem is and its in triage and someone will call me. No one has called me. 

The week of XX/XX/XXXX I asked them to send me my XXXX statement via email. Was told it would take XXXX business days. Today I get a call indicating they cant send a report that I normally see online because I have a joint account with my spouse. When I called XX/XX/XXXX to check the status of getting online access I had the representative read me all of my account balances along with the last 4 positions of account numbers. I could use this to cross reference, XXXX is one of my accounts. 

1. I need online access to my accounts.

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 2023-05-12 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: FL

Complaint narrative:
I refinanced my house and took out equity to pay off debt. A check was issued from XXXX XXXX XXXX on XX/XX/2023 and mailed on XX/XX/2023 to XXXX XXXX for the full balance on the account, as well as my other creditors who have all since posted my payments with the exception of XXXX XXXX. XXXX XXXX sent me a message through my account portal on XX/XX/2023 ( prior to my XX/XX/XXXX due date ) confirming receipt of the check and advising me they were rerouting my payment to another location. To date, my payment has not been posted and XXXX can not locate my check. They have also falsely reported me as being behind in payments to the credit bureaus and my credit score dropped XXXX points due to the false report. I have messaged the company several times for an update with no response. No one can find my payment. I placed a call to XXXX on Wednesday XX/XX/XXXX when I found out I had been reported to the credit bureaus. The representative told me there was nothing he could do and refused to transfer me to a supervisor. He stated a supervisor would call me back and to date I still have not received a call. I disputed the reports to the credit bureaus immediately. I have had XXXX XXXX XXXX stop payment on the check on XX/XX/2023 and reissue it to pay the account online. I paid the past due balance on XX/XX/2023 out of my own funds in an attempt to get the negative mark removed from my credit report. This should never have been reported and my credit is now being affected. On XX/XX/2023 I paid the entire account in full. On XX/XX/2023 XXXX XXXX reported me to the credit bureaus as being late for the months of XXXX and XXXX and that I still owe the entire balance that has been paid and has cleared my checking account. I have filed a XXXX complaint as well, which XXXX XXXX has ignored. I have never been late on my payments to XXXX XXXX and feel this is retaliation for my constant calls and emails to clear this situation up.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I received a letter for ONLINE Information Services stating I had a debt from XXXX XXXX. When calling XXXX I had no balance and had been paid XX/XX/2022. This company is a scam with all my personal information calling my phone and sending letters to my home address with a false debt. XXXX also informed me this is not who they use for debt collection and upon reading online is a huge scam company that needs shut down ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: SC

Complaint narrative:
XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately

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 2023-05-12 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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.

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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with TransUnion. TransUnion has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account. The account is reported as XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My original complaint is below. I am starting a new complaint because I have the following response to Chase bank and the CFPB and the original complaint has been closed. The only statement the company has provided is we decided to close your account because of your connection to a publicly reported financial investigation. They now further elaborated that this is specifically related to my XXXX. A quick XXXX search revealed there is someone with the same first and last name as my XXXX, and I believe even the same birthday, who lives just XXXX of us, and has been indicted and sent to prison for mortgage fraud. My XXXX is not in prison and has not been indicted for mortgage fraud. Could this be the reason they have decided to discriminate against my XXXX? 


Original Complaint : My XXXX and I recently opened a Chase XXXX account using my XXXXs birthday money so that we could fund XXXX XXXX XXXX cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my XXXX XXXX XXXXXXXX XXXX cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Law Office of Peter S. Lake, P. C.
State: VA

Complaint narrative:
I m currently working with customer legal group to help resolve my debit when I received this warrant of debt in the mail. I have notified customer legal group at XXXX about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX ESt, I checked my online bank and saw {$3000.00} was taking away from my chase checking account. It is a joint account with my husband. But neither me or my husband made this transaction. I immediately reported this fraud to Chase and asked them to put a restriction on this account. The claim number is XXXX. At that time, Chase could not tell us what kind of transactions it should be. XX/XX/XXXX morning, I checked the online banking and it seemed someone went to one of Chase local branches and made a withdrawal in person with my identify. I called Chase again, and they informed the activity was taken place at their XXXX XXXX ( XXXX, NY ) branch. So, I went to our local police station and tried to file a police report. But the police station informed me that I have to go to Chase to get a bank letter and also get it notarized. Then I went to the Chase XXXX XXXX XXXX branch ( the money was withdrawn at this branch ) and reached out to their manager - XXXX XXXX. He provided the required letter - Unauthorized Signature or Forged Item Declaration. We also got it notarized. Finally, I went to the police station XXXX ( XXXX, XXXX, NY ) and filed the police report. The police report number is XXXX. On XX/XX/XXXX, I was told by Chase the decision should be made with 3 to 5 business days. I called Chase couple of times ; they always asked me to call later. Then, I called again on the 6th business day XX/XX/XXXX, Chase told me it is still pending, and asked me to call them on XX/XX/XXXX and I should know their decision. So today XX/XX/XXXX, I called Chase again, they asked me to call next week. I asked them what's happening, but they can not give me a solid answer about the process. Their supervisor now said the claim is up to 30 days. I don't think chase is making efforts to assist their customers to resolve the issue. I have been with chase for more than 10 years. {$3000.00} is a big amount for an individual like me, a normal working woman, I do need the money to pay my bill, support my family. But chase just does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start this a new job that these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start this a new job that these issues are making more difficult than it should be.

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 2023-05-12 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 Collections 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 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 2023-05-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Collections Account XXXX XXXX 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 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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
well fargo were charging me fees that were unecessary

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 2023-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accord with the fair Credit reporting act XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction

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