vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, DEPT OF XXXX account XXXX and XXXX XXXX Account number XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions See below for account reporting information on three credit reporting agencies : Experian Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date XXXX XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( 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 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I travelled an hour to get to a branch to execute a wire because it exceeded the online limit. Further, I was contacted by Chase to verify the transfer despite having executed it in person at a branch. After my confirmation, they said the wire was authorized/validated, before XXXX ( the wire cut-off time ) on Friday XX/XX/2022. At XXXX on Friday XX/XX/2022, I received an email from Chase stating that my wire was delayed and the recipient complained to me that they had not yet received the funds. This is simply unacceptable and Chase 's practices of withholding funds after transfer verification should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX  Balance Owed : {$1100.00} XXXXXXXX XXXX  XXXX Owed : {$730.00} XXXX XXXX XXXX Owed : {$370.00} XXXX Balance Owed : {$10000.00} XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} EQUIFAX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX Balance Owed : {$730.00} XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} EXPERIAN Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} XXXX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: LA

Complaint narrative:
I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.

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 2022-05-28 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: LA

Complaint narrative:
I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: LA

Complaint narrative:
I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.

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 2022-05-28 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: CarMax, Inc.
State: MN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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 was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed XXXX {$10000.00XXXX XXXX XXXX  Balance Owed XXXX {$150000.00} XXXX XXXX XXXX XX/XX/XXXX Collection XXXX  Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}

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 2022-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: MO

Complaint narrative:
I have insurance thru work, which covers visits to southeast health facilities. I presented my insurance card, yet they're attempting to say I owe XXXX health account # XXXX Jp recovery services reference # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Barrett Financial Group, L.L.C.
State: IN

Complaint narrative:
On XX/XX/22 I put $ XXXX down to purchase a house the realtor had me sign an appraisal waiver without discussing comps with me or putting a little on what I would pay above appraisal. The appraisal came in $ XXXX short of the agreed upon purchase price. I dont have the cash to close Im not a millionaire now Im being told Im going to lose my $ XXXX. Please help me get this resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase blocked my business account from wiring due to an internal coding error on the account. I was unable to execute a time-sensitive wire despite having available funds to do so. Despite being in the branch and the bank manager pressing the Chase back office to help, Chase ignored the request and failed to acknowledge the time sensitivity of my investment funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Collection : XXXX Balance Owed : {$2100.00} XXXX IN Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX  Balance Owed : {$0.00} XXXX Collection : XXXX  Balance Owed : {$2100.00} XXXX  Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  Balance Owed : {$0.00}

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 2022-05-28 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: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX Balance Owed : {$0.00} XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAX Collection : XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX Balance Owed : {$0.00} EXPERIAN Collection : XXXX Balance Owed : {$2100.00} XXXX Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Collection : XXXX Balance Owed : {$0.00}

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 2022-05-28 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: GA

Complaint narrative:
I want to make a complaint against transunion, XXXX and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions See below for account reporting information on three credit reporting agencies : XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX number ( XXXX ) XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX Transunion XXXX XXXX Account number XXXX Account status Open Date XXXX XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( 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 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions See below for account reporting information on three credit reporting agencies : XXXX Account info DEPT OF ED/AIDVANTAGE Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX Equifax Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used the lender EnerBank USA to cover the repair of a septic tank drain field on my property and was making steady payments since the repair in 2020. I came down with XXXX which lead to an extended absence from work, and attempted to keep up with the payments but the lender was difficult to work with. 

We finally reached an agreement allowing me to set the account straight by making on time payments again, but made a payment a day later than the cutoff. 

This lead to them sending the first of several letters with a payment amount that they were demanding to keep the account current with the wording that added additional penalties if the payment was not received in " ten days ''. There was no date on the letter and no date mentioned to start the " ten days '', and every time I have called or paid has not been within the ten day period leading to an almost constant compounding of fees.

The absence of the start of the ten day period in all of their correspondence seems like a deliberate ploy to keep the debt active and extort for the " late fees ''.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions See Below for credit reporting account informaion : Experian Account XXXX XXXX XXXX Account numberXXXX  XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : 12 XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( 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