vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: MD

Complaint narrative:
I sent Experian Credit Bureau letters to dispute XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to Experian and they refuse to remove it from my profile. I have spoken to agents from Experian where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.

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 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America offered to a small business XXXX XXXX, a C-corporation incorporated in the state of New Jersey XXXX XXXX line of credit for {$92000.00} on XX/XX/XXXX, a product called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX 2 %. Business started using this line of credit as the main source of liquidity, and ended up using the whole limit. With no default of any kind from the business, Bank of America unilaterally and shockingly ceased this line of credit on XX/XX/XXXX ( the Expiration Date ) and converted it in the term loan at much higher rate of 7.5 %. This is an illegal business practice of bait and switch. This conversion killed the liquidity of the business which was started in XXXX and was employing multiple employees in the critical growth stage, and resulted adversely ultimately the closure and dissolution of business in XXXX Business tried to make the payments till XX/XX/XXXX but had no funds left leaving the remainder of {$32000.00}. This loan which was a genuine business bad debt, Bank of America sold on XX/XX/XXXX to an overly aggressive debt collection company XXXX XXXX XXXX XXXX XXXX, XXXX, which sued on XX/XX/XXXX the business and the business owner adding unreasonable legal fees and interest. Because business was closed, the collection company through their law firm XXXX XXXX XXXX XXXX XXXX XXXX went after the real-property of the poor business owner and obtained judgment abusing the legal system and now making the business owner and his children homeless by having a Sherrif sale of his real property on XX/XX/XXXX. It is a highly time sensitive stressful situation which if not immediately intervened and resolved will have irreparable and irreversible damage on the innocent victims.

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 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made 2 XXXX XXXX transactions, realized they were a scam before the transaction went through, the money hadnt been deducted from my account when I reported it, the first person I spoke to at Wells Fargo told me she recommended to not stop payment but to open a claim and everything would be fine Wells Fargo denied my claim and now said I cant appeal the decision, I told them had they stopped the transaction before it went through we wouldnt be in this situation, now Im out {$260.00} and Wells Fargo is saying I have no options and it was a done deal, Im just going to have to take a loss, they also told me today that they actually never had the option to stop payment, then why did the first employee tell me different? She couldnt answer that question today

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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 2023-07-17 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
A charge appeared on my CC ( American Airlines Advantage ) that was made on XX/XX/XXXX at a restaurant that I did not go to. I disputed the charge and they removed it. I then received a letter telling me that they were reversing the charge because " I had to use it because of the chip technology ''. I asked them to show me the receipt with my signature and have not received a reply. I have been trying to dispute this since XXXX. 

I sent another email yesterday to Raising Concerns @ Barclays : I've been trying to dispute a charge on my CC since I received my payment in XXXX. 

I have received another letter telling me that " I had to have possession of my card due to chip technology ''. I don't know how many times I need to say this ; I DID NOT USE MY CARD!!! 

I have repeatedly asked for evidence of my signature on this charge and have yet to receive this. 

If someone would bother to look at my payment history, you would see that I do not report issues unless I've been scammed!!! 

This is getting ridiculous. This is the second time that I have received a letter like this. There is no point talking to the Fraud Department or Customer Service as they either do understand English very well or are just incompetent. 

There is no investigation because he one is responding to my concerns. Again, where is my signature on this bill from XXXX XXXX. 

I have been in contact with the XXXX and will now follow a complaint with FCC and Consumer Financial Protection Bureau.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone opened an account onXX/XX/2018 and I have made a police report because i did not open this account. i need it to be closed. i have not authorized anyone to open any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Identity theft 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 explanation
Consumer complaint received 2023-07-17 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: NV

Complaint narrative:
Without prejudice, it has come to my attention that Experian has been reporting my transactions with persons, to my Consumer credit report. According to FCRA 15 US Code statute 1681 A 2 A, states 2. ) Exclusions. Consumer credit report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control.

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 2023-07-17 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: FL

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, 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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
CACi sent me a collection letter via email, found in my spam folder on XX/XX/2023 with limited information about a debt. The email was dated XX/XX/2023 and stated I had until XX/XX/2023 to dispute the account and request verification and validation of the debt. Per the letter from CACi, I could dispute the account online. I responded to CACi on XX/XX/2023 via the online dispute email address they provided, one day after I found the email. I received notification from XXXX XXXX that CACi added the collection to my XXXX report between XX/XX/2023 and XXXX, XXXX 2023. They never responded to my request. I have never received any communication from CACi via USPS, before or after I disputed the account. 

Per the CACi letter : From : XXXX Date : Fri, XX/XX/2023 at XXXXXXXX XXXX Subject : RE : Your XXXX XXXX XXXX XXXX  account, # XXXX To : XXXX XXXX How can you dispute the debt? 
Call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, I have a credit card from best buy for a couple of years. Any time I go purchase anything, best buy always promote a 0 % financing. They do not say it will be deferred, just that the client has the option to pay it off earlier without penalties. 
Last year I had the same issue with best buy, however I was able to catch it early. They charged my account with over {$600.00} in interest in just one day without no mail or alerts. Since I had already other charges there, I requested them to send me alerts and change my paperless setting to domestic mail. I do not even recall requesting my mail to be paperless. 
They never changed my settings to domestic mail and soon enough I got charged again. Worst part is that I actually did not catch it as early, as soon as I saw I tried to contact them through the chat option on the website. I believe that was my worst mistake. It takes forever with the back and forth as they do not have someone live to speak with you. Due to family emergencies, I did not call them and was able to do it today. Trough the entire conversation they showed no help, all XXXX could say is that he could not do anything. Then I asked to be escalated and the manager said all she could refund me was {$40.00}. The first charge I had was on XX/XX/2023 for XXXX, then in XXXX an additional XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX. It is a total of XXXX however all they say they can pay back is {$40.00}! Which is a shame as I was never notified. Credit card companies always tend to take the most out of their client, it is a shame that a company like Best Buy is trying to take advantage of their clients with such a shameful move. No credit card company should take advantage of their clients, alerts and statements are here for that. It is a shame what best buy is doing and how much they wish to charge without thinking of how it will impact an household. The question to be asked is, does best buy actually care about their customers or they are just one more company misleading people through their advertisement?

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion and XXXX XXXX XXXX XXXX XXXX about account number XXXX that was opened XX/XX/2020 without my knowledge I submitted a copy of my police report and ftc identity theft affadavit but they denied it and said it was accurate information. I was XXXX XXXX status during the time this account was opened I contacted and they refused to block and or remove this account.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I called chase regarding an application I submitted for an XXXX XXXX visa signature card. I got a letter stating I was denied due to an existing account ending in XXXX I explained to them that I have NEVER opened an account with chase or XXXX in the past. I was advised to call the card lending team to have the corrected and my application reprocessed I have called 7x been transferred to multiple different departments with NO resolution and it's extremely frustrating how hard is it to remove a fraudulent account that clearly isn't mine and reprocess my application. Shouldn't make a potiential customer jump through this many loop holes to get this corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My identity was stolen and they tried to a business account with JPMCB. Filed police and ftc reports notified JPMCB, provided all information requested via mail to JPMCB and they will not respond nor remove it from my credit report nor give me copy of the application. Did a follow-up letter as per ftc identity theft and JPMCB ignores me. I want it off my credit report and copy of the application falsely submitted using my name to give to police to further assist with report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: IL

Complaint narrative:
Account Inquiries : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent XXXX Credit Bureau letters to dispute XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.

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 2023-07-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent XXXX Credit Bureau letters to dispute XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to XXXX and they refuse to remove it from my profile. I have spoken to agents from XXXX where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.

Company response to consumer: Closed with non-monetary relief