vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: IL

Complaint narrative:
The following account was added to my Experian Credit Report as of XX/XX/XXXX in error : XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$75.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$75.00} Balance Updated XX/XX/XXXX The reality is : I paid {$150.00} on XX/XX/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 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXXXXXX XXXX, 2023 my Chase account showed suspicious activity of someone using my XXXX account. At this time a {$390.00} transaction was pending to someone I never heard of. I immediately contacted my bank and filed a complaint. They stated at that time it would be taken care of. 
On XXXX XXXXXXXX XXXX, 2023 my account showed it was no longer pending but had gone through and the money was taken out of my account. I once again contacted Chase and they stated it takes 2-5 business days for them to clear it up. I do have a reference # for this claim if needed. 
On XXXX  XXXX XXXX, 2023 I received an alert from Chase stating they would not refund my money that there was no suspicious activity seen in my account. I once again contacted them stating I would be changing banks if they didn't get this cleared up. They stated the only other thing to do was to contact XXXX. Which I did, to no avail. They sent me right back to Chase stating they needed to deal with it. 
I feel the fair resolution is for Chase to reimburse my account the {$390.00}. Especially since I caught it while pending. 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TX

Complaint narrative:
My account was closed I thought there was suspicious activity but my daughter had used it so I called them and told them they still closed my account my income tax is getting direct deposit to there this is unacceptable they never told me why

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 2023-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
There is a new company, Jefferson Capital Systems called tried to collect a debt. this company reported the debt collection to XXXX for the third time. The original company is XXXX. XXXX has also reported the debt collection and has My credit score has been affected several times for the same debt. The last time was this month, XX/XX/2023. I do not think that the companies have the right to affect several times for the same debt. Now, Jefferson Capital Systems has reported as new debt starting 2023. I think that they are trying to force to pay. The original debt was created because XXXX was charging for services that I did not request. I had to spend hours on the phone to clear those charges. I got sick and had to cancel the services. Once, I canceled the services, XXXX was not able to charge for services not requested like Music subscription. In fact, I am about to file a law suite against XXXX. At this point, I want to stop the same debt being reported several times to my credit report. 
I have documentations for the communications in writing asking XXXX to stop charges for services not being requested. I can show that my credit report has the same debt more than 3 times in different periods, reducing my credit score multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
In regards to the student loans I was paying for, it was brought to my attention when ask that the school which is associated with my loans I never attend in XXXX. The loan is associated with a career institution by the name of XXXX XXXX XXXX which I never attended. I try to get this matter settled with the loan Servicer Aidvantage and got denied 3 time even with all my proof of documentation and police report I file. I explained to the loan servicer that I attended school in XXXX and was under the impression that the loans was for the school I attended in XXXX by the name of XXXX XXXX XXXX. I provide transcripts of the school I attended alongside signature samples and address of where I was living at the time, to challenge the authentication of the promissory note, and I was still denied. Last date of conversation with loan Servicer was on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: NY

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

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
A promotional credit card to finance a XXXX bicycle interest free was obtained by Comenity Bank after I paid the balance in full ( see attachments ). The card was transformed into Comenity MasterCard which I had no knowledge of due to the notice emails being classified as spam. Fraudulent purchases were made on the account for months without my knowledge. The account became delinquent from these fraudulent purchases. I attempted 5 phone calls and an email contact with Comenitys fraud department. Four of the calls were disconnected after a few rings and the fifth was disconnected after being on hold for 45 minutes when transferred from their collections department. I have explained the situation multiple times without resolution. My credit score has been negatively effected by this mistake and continued negligence on behalf of Comenity establishing an account I never consented to. Please help me resolve this issue, I have filed disputes with XXXX ( attached ) regarding my credit report and also filed a complaint with the XXXX XXXX XXXX. In the ten years my report covers, I have never had a late payment prior to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
A company called XXXX and XXXX is reporting false information to my credit. I have no clue who this company is. I have no contract with this company. Ive never had an account with this company and I do not owe money to anybody. The information they were reporting simply isnt mine, and they were reporting it to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
A company called XXXX and XXXX is reporting false information to my credit. I have no clue who this company is. I have no contract with this company. Ive never had an account with this company and I do not owe money to anybody. The information they were reporting simply isnt mine, and they were reporting it to the wrong person.

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 2023-02-20 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: NY

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

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: NY

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

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened my account with them on XX/XX/XXXX and on XX/XX/XXXX they decided they were going to close my account. They would not give me a reason why they were closing it but left it open for almost a month before they decided to close it and it just happened to be around the time I started using the account to pay my bills. I have had two direct deposits into this account in the amount of {$600.00} a piece so two of them would equal {$1200.00}. I also deposited {$5.00} additional to open the account so they have {$1200.00} of my money -1 bill I paid {$110.00} for my license plate renewal and {$250.00} for the second bill for my car insurance. So that leaves XXXX of my money they still have ( if they paid for those two transactions ) and they will not release it. My credit score for XXXX is XXXX and each one of the three credit reporting bureaus have me listed at XXXX, plus I have two credit cards through XXXX XXXX. So I don't believe my credit is the issue. All I know is that I no longer have access to the account online or in a bank they have got it blocked so I can't see anything that is going on with it. So if I do have fraud on it for some reason I wouldn't know it. They sent me an automated email yesterday stating we posted a new notice or letter in your Chase mobile app and at the chase.com/statements here 's what it's about to protect against potential fraud we restricted your account and may close it soon. So I called them after I was unable to access anything in the Chase Mobile account so I don't know how I was supposed to read the letter they sent me and they informed me that they are closing my account. If they are going to close my account without giving me a reason ( which is fine ) I want my money back now!! That's a lot of money for them to be hanging on to when they plan on closing my account!! The point is they are holding my money and I don't have access to it and need to pay my bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: NY

Complaint narrative:
A promotional credit card to finance a XXXX bicycle interest free was obtained by XXXXXXXX XXXX after I paid the balance in full ( see attachments ). The card was transformed into XXXX MasterCard which I had no knowledge of due to the notice emails being classified as spam. Fraudulent purchases were made on the account for months without my knowledge. The account became delinquent from these fraudulent purchases. I attempted 5 phone calls and an email contact with XXXX fraud department. Four of the calls were disconnected after a few rings and the fifth was disconnected after being on hold for 45 minutes when transferred from their collections department. I have explained the situation multiple times without resolution. My credit score has been negatively effected by this mistake and continued negligence on behalf of XXXX establishing an account I never consented to. Please help me resolve this issue, I have filed disputes with Experian ( attached ) regarding my credit report and also filed a complaint with the XXXX XXXX XXXX. In the ten years my report covers, I have never had a late payment prior to this issue.

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 2023-02-20 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: PA

Complaint narrative:
My name is 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 inquiries. 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 2023-02-20 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: VA

Complaint narrative:
My name is 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.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The account ( XXXX ) is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: MD

Complaint narrative:
My name is 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