vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-14 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: EQUIFAX, 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello CFPB, On XX/XX/2023 I received notifications of charges on my Chase Credit Card ( ending in XXXX ). I contacted Chase and notified them of the unauthorized charges. I'll add the dates and charges below. They sent me letter stating that they have reviewed and deemed me responsible for all the transactions. Their reason was " You received benefit from this transaction. '' I am reaching out for assistance as these charges are fraudulent and I should not be responsible for these charges. I have added my bank letter regarding this as well as a former email notifiying me of another charge from XXXX that was declined. 

Thank you, Date : XX/XX/2023. 

Charges : XXXX XXXX XXXX - {$29.00} XXXX XXXX XXXX XXXX - {$130.00} XXXX XXXX  XXXX XXXX - {$50.00} XXXX XXXX # XXXX - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was late making payments. My card was cancelled by American Express. And for some reason when your card is cancelled you cant make payments through their App you can only set up auto pay. Making that much harder to make said payment. And my current APR is over 29 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
You closed a case that was not resolved with Capital Oneconcerning unfair lending practices. My complaint is against Capital One and you for closing the case without resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 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: Colony Brands, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts Seventh Avenue Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts XXXX XXXX accounts Investment accounts XXXX XXXX XXXX  and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXXXXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

Sincerely, 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 2023-09-14 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: AK

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: AK

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I deposited checks based the timeline Usaa bank provided, ( most of the funds were made available immediately, the balance was to be made available XXXX business days later. ) I made payments from my account which then bounced. Further inquiry showed that the bank placed my checks on hold entirely ( deviating from what they conveyed originally ). 
They now have a hold on my account and deposits .they refuse to give a timeframe or disclose if and when the funds will be made available. 

Meanwhile the checks have already cleared the writer 's banking institutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was issued a 1099c for three ( 3 ) charged off credit cards, XXXX XXXX, XXXX XXXX and XXXX XXXX, however my Equifax credit report info does not reflect a discharge of debt. I have attempted to resolve this issue by phone, by calling both XXXX XXXX  over six or more times and still no resolve. I have also attempted to dispute this via Equifax over 6 or more times and still no resolve. This issue have been unresolved for over 9 months. 
See attached my most recent dispute attempt with Equifax and how my information have been reported currently. Equifax have also been rude and belligerent towards me in my attempt via phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I enrolled with a Citibank XXXX XXXX XXXX card for XXXX store promotion during checkout at a XXXX 's retail XXXX. The store provided a temporary ( paper ) card with number. I then found XXXX 's online systems were broken to the point of not being able to access the account at all, for over a month. Weeks of stereotypical customer support fiasco followed. I eventually filed a Better Business Bureau complaint in an effort to compel Macys to respond. I was eventually issued the physical card they originally failed to deliver, so that I could access the account, review statements, and pay the balance. A late fee was reversed, and I paid the interest balance on the account in addition to the principal balance. This was the extent of the compromise initially reached. 

That is, I paid the entire account balance XX/XX/2023. I have since checked the account 's status and confirmed that the balance is {$0.00}. In a response letter to a Better Business Bureau complaint, a XXXX XXXX representative further stated that the balance at that date ( XX/XX/2023 ) was {$0.00}. There has been no activity on this account whatsoever since the initial purchases ( and refunds ) made in XXXX. 

A credit monitoring service from XXXX ( which I have instituted following this incident ) is now alerting me that this account shows an interest charge and a balance. 

I have attempted to access my account via XXXX XXXX XXXX XXXX and have received a message that " We can not display your information at this time ''. I am unable to manage the account in any way. 

As far as I am concerned whatever activity is now transpiring on this account is nothing short of credit card fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am refilling this complaint to TRANSUNION with file number XXXX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-09-14 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a card in XX/XX/2023 AFTER I was assured there was no Hard inquiry. I followed up a with a number of calls ... that HD mentioned were recorded for quality purposes to make sure there was no Hard Inquiry now after 7 months I see a Hard Inquiry on my credit score showing, and Home Depot they are saying it is correct and they can not remove it

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached dispute letter that was sent in XXXX of 2023 to the point of no available. For your reference, the letter is dated and time stamped. I am demanding that you remove the accounts listed in the dispute letter due to violation of the FCRA and negligence. Specifically, the collection account XXXX XXXX XXXXXXXX, has been removed from XXXX due to inaccurate reporting so why are you still reporting this account? You failed to conduct an investigation initially. I know that each violation has a maximum of {$1000.00}. If I were to take this to small claims court, I would be asking for the max per violation. At, this time I am only requesting the removing of the unverified accounts SPECIFICALLY XXXX XXXX since this has been investigated and removed from my XXXX account. See the attached unauthorized and unverified accounts and remove them immediately.

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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest failed to apply requested payments to principal XXXX XXXX XX/XX/XXXX. I was told when an extra payment and I call in to request payments to be applied to principal that Bridgecrest should apply payments as directed and should not be included to interest. All request of these payments were applied strictly to interest no matter the account status ( not behind ). I confirmed information from another agent that these were not applied correctly resulting in account in Dispute and reporting inaccuracies

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXXXXXX Date Opened : XX/XX/2019 XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-09-14 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: AK

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 has violated my rights. Or a list of inquiries : 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