vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached XXXX : XXXX BANKRUPTCY COURT-XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Previously Disputed via XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. XXXX XXXX, Experian XXXX, XXXX XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added XXXX additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.

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 2023-08-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not get notified of a investigation status about a fradulent account I have on my personal credit report with Equifax that I requested for it to be disputed because this account does not belong to me. I conquer I didn't receive an email or letter about the status of an investigation since it started. 
Account name : XXXX XXXX XXXX  Account number : XXXX Date assigned : XXXX Date of first delinquency : XX/XX/XXXXXXXX  Amount : {$840.00} According to the FCRA : Failure to correct false information is a violation of the consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX years o 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 2023-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : 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 the records of conviction 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 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 I got approved for auto financing loan by Chase Auto for the amount {$45000.00}. I have XXXX health issues and have been diagnosed as XXXX. I have been dealing with this for last XXXX years and have my good & bad days. XX/XX/2023 was XXXX of my very low XXXX day. Without being in sound XXXX condition, I simply walked into XXXX XXXX XXXX XXXX XXXX of XXXX, NJ dealership. 

I do not have a regular job nor any bank savings to support my car purchase. I was not in a sound state of mind to do this purchase. I was hospitalized next day, XX/XX/2023 due to a XXXX XXXX 

Chase Auto should not have approved the car loan without verifying my employment status and history. I reached out to Chase Auto several times to explain my situation and get the auto loan cancelled. I need Chase auto to cancel this loan immediately with no penalty and have the car returned to the dealership. The car has not been driven since the day it was bought due to my hospitalization. I can provide supporting medical documents to exhibit my XXXX  health condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I discovered my minor child made almost {$9000.00} in purchases using my credit card. This was the beginning of XXXX. I filed a dispute. I spoke with a rep several weeks later to provide more details. I received a letter in the mail today stating that I am responsible for my child 's charges. My child is not an authorized user on the account and I absolutely did not approve of any of the charges.

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 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I have sent a validation of debt letter and cease and desist to National Credit Systems XXXX times. They scam consumers by changing their address which is different on each credit report multiple times. XXXX XXXX ( attached ) has XXXX address, XXXX and XXXX have another address ( attached ), their website shows a third address ( attached ) and on another listing of theirs it shows a XXXX address. I've sent letters to all XXXX and they refuse service or they come back to me. I also emailed them the letter AGAIN ( evidence attached ) and still nothing. This apartment was a corporate apartment and my previous company stated in writing from their attorney on my separation agreement that they would take over the apartment and costs. I have no actual paperwork from the apartment complex or National Credit Systems showing a debt or how to dispute or anything. I will not pay this until I get that. Until then I have rights under fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: ID

Complaint narrative:
I made in app purchase on my XXXX for 7days of credits that were to be awarded. I never received anything. I contacted the app support and went in circles. I then contacted XXXX to dispute the charges and every single one was denied. I now went to Chime bank to dispute and they say a DECISION will be made by XX/XX/XXXX! I never received any of the charges! I have over {$250.00} that each company refuses to refund! 
XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$33.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$38.00} and XX/XX/XXXX {$23.00} and XX/XX/XXXX {$6.00} XX/XX/XXXX {$31.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$27.00} I contacted the app support on XX/XX/XXXX and after for all charges as they were to be a 7 days process. The reward selected would disappear and not show up ever. There are technical issues constantly and the app usually send a message with credits however when I complained at the numerous missing credits they made excuse after excuse and said check keep C

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: CA

Complaint narrative:
I have been a victim of identity theft, see attachments.

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 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torres Credit Services, Inc.
State: IN

Complaint narrative:
This company reported a collection to my XXXX consumer report without ever notifying my about any alleged debt. This is a violation of the Fair Debt Collection Practices Act-Failure to notify, and failure to validate. I challenge any and all debt that this collector is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I switched my cell phone XXXX from XXXX XXXX to another provider. My decision to leave XXXX was influenced by encountering my fourth billing issue within a relatively short XXXX period. 

On XX/XX/XXXX, XXXX incorrectly billed me for XXXX lines despite XXXX of the devices not being delivered ( the XXXX could not find my condo unit, the line was not yet activated ). Upon contacting customer service, the representative not only pressured me to pay the erroneous charges but also mocked my name and insulted my social standing ( called me a lower class person ). Consequently, I filed a complaint against XXXX with the Federal Trade Commission. 

In XX/XX/XXXX, I eventually obtained the trade-in credit that was pending for XXXX months due to an oversight by XXXX. It necessitated a visit to your store to inquire about the traded-in phone that I had mailed Additionally, a 15 % corporate discount was promoted by XXXX in XXXX with my employer. However, after being transferred among numerous departments for several months, I was informed in XX/XX/XXXX that my plan would not be eligible for the discount. 

On XX/XX/XXXX, I received a bill inside a XXXX envelope from your office, indicating device payments of XX/XX/XXXX and XX/XX/XXXX. The second package showed payments of XX/XX/XXXX and XX/XX/XXXX. Regarding the devices, in XX/XX/XXXX, I had inquired about purchasing them outright as leasing proved more expensive over the XXXX period. However, the representative falsely informed me that this option was exclusive to lease agreements, not purchases. Consequently, I discovered the device prices significantly deviated from those presented in-store. 

XXXX also sold this account 's collections rights to XXXX XXXX and Afni Inc before the final bill 's issuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from " XXXX XXXX '' who requested a logo design from me. I charged him {$500.00} for my service and he wanted to send me a mobile check for payment through email. He sent me a check of {$1300.00} and said that I keep {$280.00} as down payment, while I send the remaining {$1000.00} to the " printing representative '' through XXXX. He called me 5 times on Wednesday XX/XX/XXXX to make sure I received his check through email. He called me XXXX  times again on Thursday XX/XX/XXXX to make sure I send the " printing representative '' the {$1000.00} through XXXX. He wanted me to send screenshots of all the confirmation pages that I deposited the check and sent the money through XXXX. I deposited the check, sent {$1000.00} to " XXXX XXXX '' through XXXX, then found that the check was rejected. The scammer took {$1000.00} from me and I am in extreme debt. It is now Sunday XX/XX/XXXX and I received another email from XXXX with the email subject line " Birthday Invitation Designer / Service Needed. '' I believe this is the same scammer from the first email. I don't know who he is, because he used multiple names : XXXX XXXX, XXXX XXXX XXXX on the mobile check ), XXXX XXXX ( printer lady ), and XXXX XXXX. Here is XXXX of the emails he sent me in our first conversation : Email subject line : Payment for the project XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XXXX  days ago ) to me Hello, Please find the PDF file as a copy of the payment check. Proceed to the deposit process and get back to me with confirmation once it's completed. NOTE : I prepared a payment check of {$1300.00} in total and below is the breakdown of funds ; * {$250.00} as a deposit for the project. * {$30.00} bonus for you. * {$1000.00} for the printer lady. Download the check file and open the images on your computer. After which you will carefully capture the XXXX Edges of the check using the Mobile check deposit option on your Mobile Banking App, and the payment will be processed automatically. Kindly share the screenshot image of the deposit confirmation page once completed. Regards, 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 2023-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 explanation
Consumer complaint received 2023-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 explanation
Consumer complaint received 2023-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: InDebted Corporation
State: FL

Complaint narrative:
It made me strong to be able to pay my truck, I contacted the XXXX XXXX, I let them know that i surrender up on the payments, I tried to sell the vehicle.it was difficult for me. 
I call the XXXX for picked up at my house.After they sold the vehicle they contacted me to pay the remaining balance.They tell me that there was a balance of XXXX dollars. 
I offered to pay XXXX a month.After XXXX years paying without fail.I found myself checking the balance and i had the same balance.They are charging me super high interest.Its super XXXX offered to pay XXXX dollars, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Quicksilver Card was issued with a limit of {$1000.00}. Deeming this insufficient for use, I have asked twice to have the limit raised. XXXX other cards in my wallet have limits ranging from {$9500.00} to {$15000.00}. 

What really offends me is that after I told them I can not use the card with such a low limit, I was rejected in my application for a higher limit, for the reason of " monthly spend has been too low ''. 

And the rejection letter ( attached ) claims to share additional information about the rejection, but does no such thing. 

I have sent Capital One a letter making this request for a third time, and have heard nothing.

Company response to consumer: Closed with explanation