vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting 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: TX

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2024-07-13 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: FL

Complaint narrative:
DEAR, TRANSUNION I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have hard inquiries on my report that I do not regconize! The only XXXX i regconize is the XXXX from XXXX and thats where I purchased my vehicle from, the rest were not authorized by me.

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 2024-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I had an open car loan with ally financial in XXXX, I filed for bankruptcy in XXXX and reassumed to debt with ally so I didnt have to forfeit my vehicle. In XXXX I got into a car accident and totaled out my car, in which XXXX insurance paid the remaining balance covered under my auto insurance gap coverage. Therefore the outstanding balance was satisfied however Ally financial has still been reporting the debt that is no longer owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Best Egg received my payment of {$15000.00} via USPS certified mail ( XXXX ). My payment was made as per my loan agreement payment Instructions and in compliance to 12CFR part 1026.10 ( b ) ( 4 ). I received correspondence from the company dated XX/XX/XXXX, where the company acknowledged that my payment was received but the company still has not credited my account to reflect my payment. I sent a follow-up letter USPS certified mail ( XXXX ), which the company received on XX/XX/XXXX but the company has not responded since and has not updated my account to reflect my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
Identity Theft CONSUMER PORTFOLIO S Date of inquiry : XX/XX/year> I am unfamiliar with this company, i do not have a vehicle in which i've financed through Consumer portfolio S. This company as well as a few others are a result of identity theft. I kindly ask that you investigate this matter promptly and remove this debt from hindering my credit report. I have mailed out dispute letters regarding this matter and filed an FTC report on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint against Chase credit card regarding a dispute over a purchase from XXXX. On XX/XX/year>, I purchased an XXXX account from XXXX, and the transaction was posted to my credit card on XX/XX/year>, for {$840.00}. Initially, I logged into the XXXX account, and everything was functioning correctly. 

However, on XX/XX/year>, XXXX announced a platform migration from XXXX to XXXX. They provided me with XXXX login details on XX/XX/year>, but I was unable to log in or use the account on the new platform. 

On XX/XX/year>, XXXX communicated via email that they had paused operations at the end of XXXX and planned to relaunch on XX/XX/year>. Despite this, they did not restore my account. On XX/XX/year>, I received email confirmation from XXXX that they owed me a XXXX XXXX account, but they never delivered it. 

I created a support ticket with XXXX on XX/XX/year>, and they confirmed that the coupon they sent me was invalid and not working. 

I have submitted XXXX claims to Chase credit card to dispute the charge. The first claim was denied because I logged into the XXXX  account after the purchase, even though this was before the platform migration and shutdown. The second claim was denied because too much time had passed since the transaction, despite my efforts to resolve the issue promptly. Chase informed me that the merchant was not willing to credit my account and that the charge was valid. 

Despite my attempts to resolve this issue with XXXX and Chase, I am left without the service I paid for and no resolution. XXXX  has made false promises and has not provided any means to use the account I purchased. 

XXXX of Events : XX/XX/year> - Ordered XXXX account from XXXX. 
XX/XX/year> - Transaction posted to my credit card. 
XX/XX/year> - XXXX announced migration from XXXX to XXXX. 
XX/XX/year> - Received XXXX login details but could not log in. 
XX/XX/year> - Email evidence that XXXX paused operations in late XXXX and planned to relaunch on XX/XX/XXXX. 
XX/XX/year> - Email confirmation from XXXX that they owe me a XXXX XXXX account. 
XX/XX/year> - Created a support ticket with XXXX ; they confirmed the coupon sent was invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
As a holiday incentive, Kohls offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from Kohls. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local Kohls store. While we continued to receive Kohls emails and other promotional mail after our move, we did not receive a monthly bill for the XXXX XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a Kohls credit card agent ( # XXXX ), that we apparently used our Kohls card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact Kohls for any information.

I would expect that Kohls would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my credit score has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Venmo out of nowhere froze my account. Took weeks to hear from them. Was asked to send pictures of my id which i did. They responded saying my account is now permanently closed and the funds wont be returned to me. This is nonsense this is my hard earned money. They are stealing. I have an eviction notice because of it I in complete shock this is so unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested Experian and XXXX to properly conduct an investigation on a XXXX XXXX XXXX account reporting on my credit. Experian and XXXX are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form. 

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, Experian and XXXX are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to Cushman v Transunion 1997, Experian and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

XXXX XXXX XXXX has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy EXPERIAN- XXXX {$6000.00} XXXX XXXX- {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: AZ

Complaint narrative:
DEAR, TRANSUNION IWOKEUPTHURSDAY, AND PULL MYCREDIT REPORTJUST TOCHECK MY CREDIT.I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Starting around XX/XX/year> I noticed a text alert Id missed on XX/XX/year> asking if I had made a purchase around XXXX, I replied no and then called BJ 's Capital One and was redirected to their fraud dept. I must have spoke to a half a dozen people to try to get the matter resolved. They kept saying they couldn't tell me anything, or even close my account because I had to prove identity. I tried to send pictures on the link they sent to my phone over and over again but they kept saying it was blurry, I tried the email link they sent but it would not work, said something about files being to big which I cant understand because it was just a picture of my photo ID. I mailed a copy of my license front and back with case number, DOB, address, phone number... everything they asked. they said they received it on XX/XX/year> but it was unacceptable, when I asked why they said it was blurry! It wasn't and I have a copy to prove it. So I sent another but this time had it printed 2x larger at a printing company and included all the information again including a copy of my BJ 's Capital One bill ending in XXXX to show its my bill and I have been paying. I called today and they said the finally received it but its unacceptable but they cant tell me why. They cant tell me anything. I've called about XXXX times and have to explain it over and over to a new person each time, these people can barely speak XXXX to boot and I feel uncomfortable giving them my information as it is. It feels like some kind of scam! I just read a blog saying that others had similar situations having to keep sending proofs but weren't accepted. One said that they do it because they really don't want to give that person a card. Well I had asked if I could just close the account but they said no. If they really don't want me then they should just be honest instead of causing me duress and anxiety, unnecessary trips, postage, time etc. they say they cant tell me anything, close my account but they keep taking my payments and just gave me a higher credit limit! in the meantime my card is in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Today I received notice regarding my Macy 's American Express Card interest rate which is being raised to XXXX  %. The returned payment fee is {$41.00}. 
While I do not carry a balance on my Macy 's account, I find their new rate outrageous and usurious. 
With a favorable outcome of the XXXX election, I'm hoping that the CFPB will be able to take on these greedy businesses that take advantage of Americans who are victimized by them every day. 
Thanks 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 2024-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

The following Accounts : Original Creditor : XXXX XXXX Caine and Weiner company Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I have mailed out dispute letters regarding all accounts that are a result of identity theft on XX/XX/year>. Followed by An FTC report. All companies listed below have failed to provide me with proof of ownership of this debt, and proof of my signature allowing these companies to sell my information illegally to other companies not authorized by me. 
These accounts are a result of Identity Theft and must be removed from my credit report, as that debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> I came in the store Macy for bought 2 Items and I was award percent in items if I open their credit card, I agree, and they opened their credit card Macys for me they gave more simple for me XX/XX/year> I came back store Macy, I return all Item and all simple they gave for me date XX/XX/year> After that date, credit Macy store sent the bill to me, and they request me to pay money with no any item charge from their store also no any Item out of their store I am not drive of my car, with no driver license, so that My friend help me go the store and I was supervisor store Macy help The supervisor Macy Store, they check on my statement, They none see I none used in card and I none bought any in the store, They do not to know and they called Macy store and I request them Closed account credit macy card, I request them cut card from credit macy sent to me, and Supervisor and her co-worker cut of it before me and my friend Now macy store credit always harassment me, they called me ussually, they sent statement and they charge interest I none pay money for them when I did not used any and I did not buy any from their store I was called COMPANY MACY CREDIT CARD, I request stop harassment, because I no owed them any. BUt they continue to abused my information and they always harassment me from called me to sent the bill to me Although I was report to POLICE CORD CORD, but they still continue to abused my information and harassment me me again, even I was request them put this case into the court, I will appear in COURT and hearing solve from Court, But they did not and they still harassment me in my life This is reason I would like to report to CFPB and to request CFPB solve because I want hearing in COURT from MACY store Complaint, IF they none put this case into the court complaint .... I will put this complaint into the court and It is default for Final JUDGMENT Compensation {$2.00} XXXX for me, because they intentional to made my credit before USA, and CALIFORNIA

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 monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to kindly request a goodwill adjustment for the removal of a paid-off account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. 

I appreciate the opportunity to have been a customer of Macy 's and have always strived to manage my financial obligations responsibly. The account in question, XXXXwas closed sometime in XX/XX/year>. 

However, I have recently become aware that the negative information related to this account is still impacting my credit score. I understand that the FCRA allows for such negative entries to remain on credit reports for up to seven years, and with this account being closed 9 years ago, it's safe to say it's well passed the 7 year mark.

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 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Identity Theft GM FINANCIAL Account Number : XXXX This account is a result of identity theft. I do not have a car or vehicle with GM FINANCIAL. I have filed an FTC report on the matter on XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently obtained a copy of my credit report and have identified multiple inaccuracies and unauthorized information being reported on said report. These discrepancies have had a negative impact on my overall well-being and creditworthiness.

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