vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been disputing with Experian as well as the others but mainly Experian. I reported identity theft to them and they are asking me to pay for services to help protect my credit file and lock it, in which I should not have to as a victim of identity theft. They also do not prioerly investigate they will email me days later emails that give the run around instead of doing their jobs. I reported identity theft as well as provided the necessary documents to them. Sometimes they wouldnt even submit the dispute would say its because I have disputed it in the past. Its obviously as reason if Im disputing it again because no proof was provided nor a proper investigation and because im a victim of identity theft this needs to be taken seriously and handled immediately. The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. It has been more than 4 business days and nothing has been blocked only emails sent about it and emails sent about their job in the dispute process as well as everytime I log in Im on a page asking for my credit or debit card information to pay and upgrade credit services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from XXXX that my credit rating is XXXX All this is because of him I complained to USPIS and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my Experian credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
My soon to be ex-wife took out several credit cards and loans out in my name before she left me a couple of months ago. She currenty has me in about {$30000.00} in debt and i have debt collectors trying to collect from me, and she has my credit score really low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: TX

Complaint narrative:
XXXX is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX NJ XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from Discover that my credit rating is XXXX All this is because of him I complained to XXXX and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my XXXX credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
My soon to be ex-wife took out several credit cards and loans out in my name, and now has me {$30000.00} in debt. My credit score is destroyed and i have debt collection agencies constantly trying to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist bank called me with an outsourced. A person from overseas called me at XXXX oclock in the morning on a Saturday morning on the XXXX of XXXX XXXX information that she wanted could wait till Monday, Tuesday, Wednesday, Thursday, not Friday, Saturday, or Sunday. The personal phone sounds like the truist bank are outsourcing these calls overseas because it is cheaper for them. The person on the phone, drop the phone call. When I told the person on the phone that I was going to complain through their superiors, they did pretend not to hear So, I must use this XXXX because Im not going to sit up here and constantly get drop calls when I try to put in a complaint with them locally. It simply relates to them that is improper to call me at XXXX XXXX  on a Saturday morning when it is something that can be done during their bank hours. I would like to handle it between the bank on Saturday, but Im pretty sure the people I must talk to are not working on Saturday or Sunday XXXX : {$170.00} Date : XXXX XX/XX/2023 Time : 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 2023-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I purchased a Visa gift card online for a friend 's birthday from The XXXX XXXX XXXX. When she received it ( via email ), she was unable to open it. She received a message " A system error has occurred. Please try again later. '' She tried multiple times with the same result. I called the company to try to correct this. They hung up on me - THREE times. I tried again today and was told that " the department that handles this is not picking up '' and I should call back. This is an absolute scam, and I am now out the {$100.00} plus a {$3.00} fee. I am attaching the email acknowledgement of the order with all pertinent information included. 

I used my XXXX account to charge this transaction to my XXXX XXXX card. XXXX will not allow me to dispute the charge until it clears ( it is currently in " pending '' state ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bay Equity LLC
State: CT

Complaint narrative:
We recently purchased our home. Bay Equity is the mortgage holder. Bay Equity apparently sold the loan to XXXX. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I purchased tickets to a broadway show, same day, via the capital one entertainment portal with my capital one credit card. I did this directly through the capital one app on my phone. I intended to pay roughly {$570.00}, but instead we were charged XXXX and XXXX XXXX XXXXXXXX. I do not know how this happened. As soon as I got the confirmation receipt, I noticed. I was boarding a flight to XXXX XXXX. I did manage to get ahold of both the bank and capital one entertainment. they told me there was nothing that could be done, including an immediate refund. By the time I landed, I got to the show right as it started and went to it. After the show, I called and spoke to several different representatives who all said there was nothing that could be done. I verbalized that this was a billing error. I then went to the capital one cafe and a physical banking location. They called customer service with us, and we spent about an hour and a half. I finally gave up, and am disputing the transaction as a billing error. I am fine paying {$570.00} for the show of course, but I want my miles back. Otherwise, I suppose I will need a full refund as this is clearly an error on their part, and I made a good faith effort to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2023, I received an email that my credit card was over the limit. This was shocking to me as I have not used this card for any purchases other than the initial purchase when opening the credit card, and have been paying at least the minimum every month so the balance due has been dropping slowly but surely. 

I called the company immediately to look into what I thought must have been fraudulent charges. The person I spoke with informed me that it was actually a {$710.00} fee that was just added to my account, putting me somewhere around {$440.00} over my credit card limit. They said it was the end period of some promotional something or other. 

I'm now in serious financial trouble due to this surprise fee. The company is requesting a minimum of {$440.00} payment this month, and we live on a very strict budget. I wouldn't know where to get an extra {$400.00} to pay this ridiculous minimum amount due. My car lease is up next month, and this has effected my credit score to the point that I will have to pay more monthly when purchasing. 

I have been working very hard to pay down debts incurred for living expenses during a life hardship. I always pay on time for everything, and pay more than the balance every time I am able to. Companies such as this one who prey on hard working people with these fees are a part of the massive problem in our society. If companies are allowed to continue to be manipulative like this, I and many others in my shoes will never be able to pay back debts and live comfortably instead of paycheck to paycheck and grasping at every XXXX. There has not been any communication of remaining due for any kind of promotion, and the minimum payment due was deceptive as it was not what was needed to fulfill the so-called promotional terms.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There were unauthorized purchases made on my credit card. After Chase initially adjusted the charges but after their 'investigation ' they found we were liable for the charges. 

I ran a spreadsheet of adjustments on the chase website, they totaled {$1100.00}. Chase put back over {$1400.00} worth of charges on XXXX. This amount is incorrect as proven by downloading a spreadsheet on their website. 

I've attempted to speak with Chase and advise them of the issues but they keep transferring me. I was on the phone with 4 different customer service reps on Wednesday, it took me until the 4th rep to confirm the correct amount. The amount of {$1100.00} was confirmed by 4th rep. Then two days later, I see they put the original amount of {$1400.00} back to the card. 

Chase is accusing me of fraud. They are being deceptive and can not provide any documentation to support their numbers. I get bounced around their phone system when trying to correct the issue. 

Chase Recovery phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23, XXXX XXXX, I deposited {$2000.00} cash into my account through ATM, which is located at XXXX XXXX XXXX. 

I filed a claim on XX/XX/23 through Chase customer service, and it was denied on XX/XX/23 because they did not find any outage of the ATM in XXXX. Unfortunately, I did not get the receipt when I deposited the cash, so the only way to prove my transaction is to check the security camera but It is also unavailable because it is used only for internal purposes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In early XX/XX/XXXX I received an unsolicited credit card for my business in the mail from chase. I have had a credit card, the same one, for years with them. A fraud supervisor told me that sometimes chase sends out new cards for security purposes. He would cancel my old card and to use the new one. On XX/XX/XXXX I called the business premier banking line at Chase as my new card wasnt showing up and my old card was still there. I spent over an hour on the phone being transferred 6 times to find out the new card was for an account I supposedly opened in XXXX ( why would I open a second exact same credit card? ) and was due to expire. In other words a different account. For over 20 years as a chase customer Ive only ever had one credit card account. I tried today to cancel this unsolicited account without success despite being transferred back and forth. I am concerned that like XXXX XXXX opening unsolicited accounts some years back, chase might have done the same thing here. I need this second account closed and not be transferred around while they point the finger at another department. Chase reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
City of XXXX payment history shows in collections as of XX/XX/XXXX, however it was paid in full on XX/XX/XXXX. I request experian remove this negative potential payment history from my credit report, and made corrections. 

I also have attached documents from city of XXXX saying that this account was paid in full on XXXX XXXX. Therefore it shouldnt show as in collection for XXXX in payment history

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 2023-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This is an account that was purchased from Big Lots. I have yet to receive a contract with my Wet signature on it. I asked for this information when XXXX XXXX called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 

15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage.

AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXX XXXX abusive and deceptive business practices.

Company response to consumer: Closed with explanation