vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: NY

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on three credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.

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 2023-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently pulled my report and noticed inaccurate and erroneous information. I reached out to each company XXXX times and over 90 days later I have not received a response and the incorrect information is still on my report. I have read my right per FCRA 15 usc 1681 ( i ) states all posted information must be accurate.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account was charged for an automated fee from XXXX fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called in XXXX XXXX Chase Bank due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. XXXX sent a letter out late on XXXX confirming the problem but said it would take XXXX days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/XXXX I called Chase Auto to make a payment and change my due date. The person I spoke with said once I pay they can change it. I paid online {$800.00} and some change. Then they said they will change the due date. The app online shows I am caught up on payments, however I got a phone call saying I am behind and have to pay {$1600.00} by XX/XX/XXXX. I did not understand why so I contact Chase again and they said the XXXX payment was reversed, however it never went back into my bank account. I also went to Chase Bank and they said they cant help because its an auto issue. So then contacted the Auto center again and another person said I was caught up and good to go. I waited and was going to make my XXXX payment. Then my bank account shows they took out {$1600.00} without me being on autopay or asking. They just removed the money XX/XX/XXXX. My bank account was negative and then the next day positive because the payment reversed for insufficient funds which I told them I dont have the money. Then it came out again and caused my account to go negative again. So I contacted them again, this time another man looked at the deposits on his end and said that they payments were messed up and hes sending it to the higher ups to look at because they messed up. My payments werent going towards any principle and he shows I made my XXXX payment but they have it to where I didnt and wanted me to pay for XXXX and XXXX. So now me and my co-signers credit is messed up because they are trying to repo the truck for being XXXX days late even though its only XXXX days and they still havent fixed the issue. We faxed over all the documents the guy on the phone asked for so he can get them to fix it but they are saying they are going to repo the truck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: MA

Complaint narrative:
Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

Thank you ... ... .....

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 2023-01-14 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Bankruptcy reference number XXXX Hard inquires XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX 15 u.s.c 1681 section 602 A. States I have a right to privacy.

15 u.s.c 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
While checking my Experian consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I deposited {$3.00} into my First Horizon checkings account, then on XX/XX/XXXX I deposited {$100.00}. Both deposits were cash and were deposited using the branches ATM. On XX/XX/XXXX I transferred {$100.00} to my XXXX XXXXXXXX checkings account using XXXX. On XX/XX/XXXX it was posted I deposited {$100.00} which meant I had {$100.00} total in my account. I check my account a few days later since I was planning on depositing more cash and it showed I had a - {$35.00} balance due to an overdraft fee. I then check my posted transactions and see it says I deposited the {$100.00} on XX/XX/XXXX instead of XX/XX/XXXX. This is the reason I was charged the fee since the system claims I put my account into a - {$100.00} balance before depositing the {$100.00}. This isnt true, I transferred the money AFTER depositing the {$100.00} which was posted for the XXXX at the time of transfer. The thing that really gets me is you can not put your account into a negative balance by transfer money with XXXX, the amount youre transferring has to be posted as your active balance for the transfer to go through. I have used my First Horizons checking for nearly a year as a way to deposit cash and have never had a issue until now. I spoke to someone at the branch and they made multiple different excuses throughout our interaction as to how its my fault I received the fee or how there was a error made on XXXX end. Never admitting First Horizon is at fault and made the error. In the end they said they can not refund me the fee and I feel I need to seek further advice and assistance for this issue. The attached images below show my posted transactions for my account along with pictures showing I went to first horizon on the XXXX but never did on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2023 When calling the XXXX customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a XXXX situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
My account was charged for an automated fee from Affirm fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called Affirm report the issue and they could not reverse the payments. I called again in XXXX informing them that payments were still no adjusted! They knew about the issue and did not make adjustments! 
I called in XXXX XXXX XXXX XXXX  due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. Affirm sent a letter out late on XXXX confirming the problem but said it would take 3-8 days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: DISCOVER BANK
State: PA

Complaint narrative:
Unlawful or Unsound exercise of powers and Failure to Comply. XXXX failed in their fiduciary duty and mislead original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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:
Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....

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 2023-01-14 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: MA

Complaint narrative:
Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am contacting you about the compromise of my social security number. I am a victim of Identify Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed below : XXXX XXXX, XXXX XXXX XXXX, and 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 explanation
Consumer complaint received 2023-01-14 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: CA

Complaint narrative:
I have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.

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 2023-01-14 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: CA

Complaint narrative:
I have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2023 When calling the Experian customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a trafficking situation.

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 2023-01-14 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: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XX/XX/2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, two telephone numbers ( XXXX and XXXX ) and, an erroneous last four digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from ONEMAIN, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are three soft inquiries from : - XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.

Company response to consumer: Closed with explanation