vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: Credit Technology, Inc.
State: WI

Complaint narrative:
To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXXCREDIT TECHNOLOGY, INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XXXX and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed my account for absolutely no reason. Due to suspicious activity. Ive had this account since XXXX XXXX XXXX XXXX XXXX, I am now a XXXXXXXX XXXX XXXX My account was closed with no explanation and I have been a loyal customer. My chase was connected to my job for direct deposit, my credit cards, my school for tuition reimbursement, literally everything. It was literally closed for no reason at all. I am highly upset and this feels like a smack in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX BA XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I place an order with XXXX XXXX through affirm ok so affirm approved me for the amount I put a down payment of {$230.00} I taught everything was ok so I waited couple hours to se if process by the merchant but on affirm website says approved but items still processing by the merchant ok so the next day XX/XX/XXXX I check still same thing so I called XXXX XXXX to make sure if they received my order they check by my name and order nothing pop up on their end I said thats weird because on affirm side it says waiting for merchant to process ok I called affirm back to let them know that XXXX XXXX didnt receive the order so they tell they have to investigate it should take 5-7 days ok so waited the following week I check still say the same thing waiting for merchant to process so I call affirm again talk to supervisor now the telling they to expedite the investigation they let me know 5-7 business day ok that goes by called still no progress at this point Im getting frustrated they have my down deposit by then they should be done with the investigation and void the loan I told obviously they didnt receive the order it never processed and they never ask affirm for payment again they telling the same thing to wait and they going to contact XXXX  XXXX ok so today is XX/XX/XXXX I called again to check on the progress the supervisor telling again the same thing no progress they holding my money idk it doesnt take long to called XXXX XXXX and verified now I have a loan with no merchandise they refuse to void and refunded me all they have to do is called XXXX XXXX to check and they let them know they didnt have order under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-24 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-25 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As per XXXX XXXX, TD BANK closed my credit card opened in XXXX which was in good standing and had over {$10.00} in rewards because I was inactive since XX/XX/XXXX without notification of their intent. My card expires XX/XX/XXXX. My credit limit was {$6800.00}. My credit score is almost 800 and was reduced by XXXX point because of the closing. I have 2 checking accounts with them for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without 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 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
" I had an Introductory 0.00 % APR on purchases until XX/XX/XXXX on a XXXX card # XXXX. On XX/XX/XXXX, I borrowed {$300.00} + {$300.00} as a cash advance, as shown below : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX On XX/XX/XXXX, I made a payment of {$610.00} to cover that cash advance because it was incurring a daily interest charge, and I did not want to be charged excessive interest on the {$600.00} cash advance. See the attachment below. However, the defendant did not honor my request and kept charging me interest even after I made the {$610.00} payment on XX/XX/XXXX. I have been charged {$12.00} on XX/XX/XXXX. The cash advance has not been cleared even after more than 3 months, providing a fraudulent opportunity for the defendant to keep charging excessive fees on a debt that was paid within 4 days of being incurred. I urge the defendant to clear the cash advance debt and uphold their promise of the 0 % introductory interest grace period. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I spoke with an representative at Chase Banking today, XX/XX/2023 concerning an email alert I received today from XXXX XXXX of a hard inquiry for credit. I informed the representative I did not apply for any account or credit line of any sort with Chase Banking and she said she will stop the application, mail me some fraudulent information and my credit report should reflect the correction with 30 days. I have placed an freeze with all three credit bureaus. I also spoke with an representative from XXXX who flagged the incident as fraudulent and directed me to this site make an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: OH

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.

I told the Experian reinvestigate this accounts : Account name XXXX XXXX XXXX... However, they stated everything was complete and accurate. But how is that possible if the my name, address, open date, date of last activity, and much more inf
ormation is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Went to Bank of America in XXXX Florida. Spoke with a banker who provided me with the phone number XXXX. I spoke with XXXX who informed me that my case was close in regards to handling my brothers estate due to another individual coming into the bank, and claiming relations to my brother XXXX XXXX. The probate team for bank of America claimed that a granddaughter claimed his assets. My brother does not have any children and never had a spouse. I provided Bank of Americas probate team with my certified documents that I have attached to this complaint. Bank of America stated that it will take them a week to verify the validity of my documentation. I followed up with them on the following Wednesday, which was XX/XX/2023 and they confirmed the validity of my documentation, but was not able to provide me with any additional explanation as of what took place with his funds and what the next steps will be. I followed up again on XX/XX/XXXX and I spoke with XXXX, who stated that they will mail me some sort of documentation. I did receive a notice from Bank of America not necessarily, addressing any of the questions asked, but stating that they have received my request and the accounts were close. The documentation did not address who the funds were provided to, no guidance on if I need to do any type of FDIC claims, and no inclination of how his assets will be retrieved. 
There are a couple of accounts that are involved a checking and a savings account at Bank of America and the account numbers are XXXX & XXXX. At this point, I feel like Bank of America is giving me the runaround and avoiding the problem at hand, which is what happened to the XXXX XXXX dollars in his accounts. I took the liberty to attach the documentation per your investigation. Thank you in advance.

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX Midland Funding LLC, is a third party debt collector, no contract with them I have. The alleged debt, for which under Pub.L. XXXX, XXXX XXXX, operates in bankruptcy as XXXX XXXX, so XXXX XXXX I owe them anything as they have no proof they XXXX have an original wet ink signature, XXXX served notice for suit and were the holder in due course for the Note. XXXX Notes are Promissory Notes, as written on the front of the Floating Rate Note, aka Federal Reserve XXXX, signed by both the United States Treasurer and the United States XXXX of the Treasury. One can only " pay '' a debt under 12 USC 411, Accord and Satisfaction, with real gold or silver coin, same goes with promissory notes, only dollars can be used to settle a debt, every other debt is XXXX, and pre-paid by 31 U.S. Code 3123 - Payment of obligations and interest on the public debt I was never served notice for any debt, nor sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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