vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account number: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 2023-08-07 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Transunion Reference Number : XXXX including Accounts XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX Number : XXXX IN including Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 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 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 explanation
Consumer complaint received 2023-08-07 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Number : XXXX including Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX Number : XXXX IN including Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MO

Complaint narrative:
The account has been repeatedly referred for collection by multiple collection agencies and has been investigated and removed multiple times. XXXX has removed the account, but XXXX continues to report it and refuses to provide information regarding what information is being provided to verify the debt. I have never had car insurance with this company. They are attempting to bill me repeatedly for one month of service in XXXX. I believe I requested a quote from this company and they fraudulently opened an account in my name instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX was designated under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment.We tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: MD

Complaint narrative:
On XX/XX/2023, a travel provider charged my Chase Visa card XXXX XXXX  for a trip my wife and I are taking to XXXX for our 25th wedding anniversary. The dollar to XXXX  exchange rate on XX/XX/2023 was $ XXXX XXXX. At that rate, my credit card should have been charged {$8300.00}, but Chase Visa charged my card {$8700.00}. That is a difference of {$350.00}. I can understand Chase Visa charging me anywhere between $ XXXX {$100.00}, but {$350.00} for a no foreign transaction fee credit card? 

I have called Chase visa twice. The first representative told me there is nothing he could do about it and I needed to call the " Disputes '' department. I spoke with someone in the " Disputes '' department who said that he could dispute the charge with the merchant. I DO NOT have an issue with what the merchant charged. The merchant charged me exactly what they told me they would charge me. My dispute is with Chase Visa, which tacked on {$350.00} to a legitimate charge. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: FL

Complaint narrative:
According to the FCRA : 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 : 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.

Experian also will not allow me to reinvestigate this. They have not provided me any details on their previous investigations, as requested. 

Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  : This account needs to removed or have the late payments corrected. 
XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX  XXXX XXXX XXXX : This account has been charged off and needs to be removed. 

XXXX XXXX XXXX  Issue I didn't give this company authorization to access my credit report for this reason. 
Confirmation # XXXX I have requested experian to verify and show me the investigations process but they have not done so. I need these accounts removed immediately as they are violating my consumer 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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I requested service from XXXX XXXX on XXXX XXXX, 2023 for home internet service. However, after I received my router, I was told by the support service that I would need a co-axil port in my apartment in order to use the service. I informed them I did not have the necessary port and was told that the service would be discontinued as they could not physically provide me the service. I returned the equipment the following day and went to XXXX for internet. XXXX XXXX continues to try to bill me for phone and internet services they have never provided to me and have even received account termination information on. They have gone so far as to refer an {$86.00} collection account to my credit for one month of service despite providing no service. XXXX investigated this account and found it fraudulent ; however, XXXX continues to report it, causing me financial damage. I was notified that XXXX XXXX has a history of litigation for fraudulent account practices, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit score dropped XXXX points for opening a new account. This seems excessive. My score was XXXX. It is now XXXX. 

There are also tines when my credit score had dropped but no changes were detected. How is this possible?

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 2023-08-07 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: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc.
State: PA

Complaint narrative:
In XX/XX/2019 XXXX by XXXX convinced us to get new windows throughout our entire home. They said they would help find a company we could finance this through. I was nervous about getting a loan I wanted to make sure we didn't get taken advantage of but the guy told us it was a good deal. We ended up with Aqua Fiance. I set up auto pay and havent missed a payment until earlier this year. 
The original loan amount was for {$21000.00}. I have paid {$10000.00}. This loan is a predatory loan I still owe {$21000.00}. I've tried calling them before and asking if we could re-fiance or anything and they said no. I was scared of hurting me credit. I finally decided to take a stand I called them and demand they work with me because it is ridiculous I still owe the same amount after paying half of the original loan. They refused to work with me at all on the interest rate or lower the price I still owed. So I told them I refuse to pay until they negotiate with me. Now they have filed a UCC " fixture '' on my home so if I sell or refinance they get that {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
AGAIN my wife and my transfers from US Bank to XXXX XXXX  is taking too long. When the requested date of maturity to distribute the CD is 22 days late on XX/XX/XXXX. 

I initially bought my CD 's from State Farm Bank. The government transferred my CD 's to US Bank. US Bank is not equipped to handle these funds. This is my XXXX complaint. It takes XXXX hour to get to talk to someone at US Bank to try to find out where MY MONEY is. This bank that the government transferred my money to is understaffed and incompetent. They charge me a yearly fee for my wife and my accounts and a transfer fee for each of my CD 's. I did not sign for any of the charges when I was with State Farm. The last XXXX complaints resulted in getting an apology letter from US Bank. This dragging of their feet with slow transfer is costing me money. They are floating my money. I dont want another apology letter, I want results. I have about XXXX more CD 's with this company and I am going to transfer as soon as they mature. I am looking into other agencys to complain to to get help. An appology letter from this company does no good.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: LA

Complaint narrative:
On XXXX, spoke with XXXX, a supervisor with the customer service support team ( part of cardholder services assitance team ) re : my concerns over BHN disallowing debit cards from being able to be used via pin-based transactions in common retailers. Received request for callback within 24-48 hours.

Callback received ~120 hours later on XXXX. XXXX reviewed activity of 2x cards ( note : I currently have several hundred such cards in my possesion ). XXXX explained that the cards are active, but are currently disallowed from being used at my selected vendor for " security reasons '', which could not be disclosed. He explained that the vendor, a local grocery store which I attempted a transaction, has been temporarily suspended from all card transactions with BHN. XXXX 's solution was for me to use the card at a different vendor. 

I explained to XXXX that this was unacceptable, as I would like to use the card at the vendor of my chosing. I further explained to XXXX that my theory is that BHN is purposefully disallowing pin-based debit card transactions in a way to try to force users to run transacations as credit, which nets BHN more money per transaction. i.e., I believe they are purposefully circumventing governmental regulation that governs pin-based debit card transactions. I have evidence of this because the same cards will work at the " security restricted vendor '' when running the transactions a credit instead of debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I had asked Midland Credit Management to stop contacting via a phone call, but they continued to contact my spouse useing very agreesive tones and I called them back and told them to not contact anyone in my family, but it still continued.I can get the dates on all the repeted calls but will need to pull cell phone recorfds to do so. At this point I am neither confirming or denying the debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX threatened to sue me for eviction after I filed for assistance with XXXX XXXX XXXX XXXX XXXX. They continued to harass me until I moved out of the apartment. Afterwards, I was notified that the eviction was canceled after my approval for rental relief. They opted not to accept the rental relief assistance, and instead referred a XXXX collection account to National Credit Services . I have disputed this account on my credit report multiple times as I was terminated from a previous job during COVID and had debt assistance that should have canceled the rent. Additionally, I had a deposit contract, as recommended by the leasing company, that would have released me from any obligation to repair or pay and I was charged both in the final invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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