vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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:
On XX/XX/XXXX I sent an identity theft complaint to Experian XXXX XXXX XXXX XXXX by certified mail. According to the XXXX, Experian was supposed to block the information deemed as fraudulent due to identity theft on my credit report. As of XX/XX/XXXX Experian never blocked any information deemed as fraudulent due to identity theft on my credit report. Also, Experian never gave me notice as to why the information was never blocked from my Experian credit report. Experian is in violation of section XXXX ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act.

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 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have 2 different store credit cards with same bank, Comenity Capital Bank. For both store credit cards, every month when I log on to make a payment, their online sites will not allow me into my accounts. It locks me out of my account. It also will not let me pay my whole balance off. I have screenshots of this. This company harrasses me with non stop phone calls all day!! I just want to pay off my balance and close the accounts. I have no problems with any of my other credit card companies or store credit cards. This bank is beyond shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
CFPB complaint # XXXX trans union updates a false claim on my credit report further more have shown documentation that trans union is claiming they is validating debt off of. Furthermore it states I disputed personal information on my credit name, employer etc. thats my right under the fair credit report act - trans union also removed over 5 miss-spelled name over 4 incorrect address etc.

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 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I was sick with covid and had a account with TD Bank account ending in XXXX, the closed my account without my consent and without my knowledge and charged off debt didn't even give me a chance to pay or meet obligations unfair I could not act on my own accord due to long hospitalized stay over XXXX days reached out to td Bank asked them to reinstate account they advised me account was charged off within XXXX days that is nit fair or XXXX  XXXXXXXX XXXX institutions must eait XXXX months now my credit and I can not open a new bank account at ant other financial institution until this account also was accessed fees, {$37.00} XXXX I asked them to reinstate account they vehemently refused despite my situation please help... sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: DE

Complaint narrative:
I have been calling Equifax numerous times about unauthorized inquires on my credit file, both dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. When i have been told so many stories, such as a dispute will be in process, or hard inquires can not be disputed, or I need to file a etc report when In fact, the same exact inquires showed on my XXXX file and & XXXX account and was removed. I requested for validation as to whom gave permissible purpose to even pull my credit for such inquires, no response from the creditor or Equifax. It is my understanding that inquires are factual data & stays on your report for two years however and can not be factual if it's fraudulent and unauthorized. I need written confirmation where this is factual and these inquires were authorized. I have called numerous times to Equifax and sent out several letters. My last conversation was with a rep on XXXXn at Approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: GA

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting AcXXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/2008 XXXX XXXX Balance {$0.00} XX/XX/2008 XXXX XXXX Balance {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: IL

Complaint narrative:
I have disputed the inaccurate Bankruptcy on my Credit Report with the Credit Bureaus and LCI Consumer Center and the Bankruptcy remains on my reports. I have never filed for Bankruptcy and it appears on my Credit Reports which has continued to harm my ability to purchase a home as well as being charged high interest rates on other purchases. 

This has to be illegal. How can anyone overcome such a a Wrong as this? 

I sincerely ask that this Bankruptcy be removed from my Credit Reports. Please find attached documents. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX Capital One sent me a check for {$29.00} for a credit refund I had on my account. They sent the check to an old address and I never received the check. I was in XXXX Training back then and I had no way to contact them so now that I am done with training I called them on XX/XX/XXXX and today XX/XX/XXXX there problems with their system so conveniently. And they tell me to call later or they just hung up. Ive waiting on the phone for 1 hour and 5 minutes and then they just hang up on me. 
If you or capital one needs proof of my XXXX training, let me know. 
I was in XXXX Basic Training and XXXX since XX/XX/XXXX until XX/XX/XXXX I am attaching my immigration form with the date since I was in XXXX training so you can see that I am being truthful and Capital One is just playing with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: GA

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
ENHANCED RECOVERY CO L ( Original Creditor : AT T ) XXXX Balance {$570.00} Kohls/Capone XXXX XXXX XXXX XX/XX/2019 XXXX XXXX of Inquiry XX/XX/2019

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX c/o : XXXX XXXX XXXX XXXX Fort XXXX XXXX Florida XXXX XXXX : Citibank N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX Date : XX/XX/XXXX CEASE AND DESIST DECEPTIVE PRACTICE Re : Consumer Credit Application XXXX And to whom it may concern, FINANCIAL ASSET My Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person is XXXX XXXX XXXX 31 USC 9301 Security/account number ending in XXXX Date of birth XX/XX/XXXX After reviewing State and Federal Consumer Credit Protection laws it has come to my attention that I have been misled into entering a comparable cash transaction instead of the open-end consumer credit plan pursuant to Equal Credit Opportunity Act ( ECOA ) and Truth in Lending Act ( TILA ). 

I, consumer, card issuer, am a natural person who regularly extends, renews, or continues credit and/or who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See ECOA Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. ( i.e. social security card/nationality card/ID card/U.S.A. Passport ) See TILA I have been misled by Citibank N.A. as participant in credit decision for Credit as a right ( 12 CFR 226.2 ) to incur debt and defer payment that does not require a down payment ( 15 U.S. Code 1662 ) and ( 15 U.S. Code 1605 ) whereby the finance charge does not include charges of a type payable in a comparable cash transaction. 

Citibank N.A. is the assignee of the original creditor who participates in the decision to extend, renew, or continue credit. See XXXX Citibank required both comparable cash transaction as down payment of {$200.00} and secured Truth in lending Act credit card ( Social Security Administration account number/identification card ) information via credit application as commercial paper for security to extend credit to consumer. 

Executed This Day XX/XX/XXXX pursuant to 28 USC 1746 ( XXXX ) By : XXXX XXXX XXXX XXXX XXXX XXXX of interest

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX {$570.00}, 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

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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I will include todays date XX/XX/22. The federal gov, needs to look into why credit card rates are to high and why when your credit score goes up the credit card companies do not reduce the rate?? When the federal gov started to regulate the bank rates the banks back door the feds and raised the credit card rates, For example I have a good score of XXXX my rate with capital one is 24.9 % on one card and 23.99 % on another card?? I don't use them like other people would but there was a time when I needed them ( right now people are hurting and are using them } No one can get ahead with these rates. Yes I have called them to reduce my rates. They said they can not do that { Mad } I am not the only one with this problem. My XXXX cards are 22.24 % and 25.74 % on the other ( mad ) If you need to used your XXXX XXXX ( which is for medical ) It is at 26.99 % This goes on and on. Yes again I have ask for reduced rates Answer NO People can get into so much trouble with these rates. So STOP these high interest rates and help People to get back on trac. These rates are way to HIGH for anyone right now And is the reason BIG BANKS are building beautiful buildings. Regulate the interest rates on CREDIT CARDS. After that check into the Buy here pay here at a low of 44 % +

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for an XXXXn Chase credit card. In response, I received a letter from Chase asking me to confirm my identity, which I did, according to the instructions in the letter. I then received another letter asking me to confirm my identity and I repeated the confirmation. Chase knows my identity. I worked for JPMorgan twice and I've had a Chase credit card for the last 15+ years. 

I received no credit decision letter, but I did receive the same " confirm your identity '' letter in my online Chase account. I called Chase and asked for a decision letter on the credit application. Chase sent a cover letter, dated XX/XX/XXXX, stating : here is the information you asked for. The information was a copy of the " confirm your identity letter '' dated XX/XX/XXXX. The reference number on that letter is XXXX. 

There is an inquiry from JPMC on my credit report, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation