vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
XXXX I wanted to make a complaint on opportunity financial because they have reported in accurate information on my account purposely. 

I disputed the information on my account and asked for validation of the account. 

The information opportunity financial sent back shows that being deceptive in credit reporting is a normal everyday business accurance for them. 

I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me. 

In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}. 

It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit. 
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019. 

This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month of XXXX in XXXX. 

The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit. 

Opprotunity Financial also stated in there paperwork that is attached on this complaint and labeled opportunity loan created amount. 

They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid. 

Was the total amount paid and they are trying to run a collections scam? 

Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws. 

The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}. 

Also according to the opportunity loan from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}. 

Opportunity financial has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday. 
Opportunity financial has had several chances to correct this information but instead has doubled down on being deceptive and being a bully. 

This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through. 

I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information. 

I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior. 

they also have no signature of this debt, but so conveinently said they have a digital signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card app makes it very difficult to make payment form different accounts. After successfully adding an account and paying off my card, the card now says restricted, and no further information is given. Apple savings also says restricted with no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I tried to log in to my online banking access was denied, then I call Citi bank to find out if their system is down they told me they have closed my account due to suspicious activity, they said my check from my employer with my name and everything has been returned I told them let me call my employer they told me no need to that their decision was final. I asked about my funds they told me I will be able to access them after investigation that may take up to 60 days. I have a checking and a saving with about XXXX XXXX or more. What am I going to do how am i going to pay my bills Ps : the check amount was XXXXXXXX XXXX CITI BANK IS UNFAIR TO CONSUMERS

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 2023-06-24 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MO

Complaint narrative:
I was scammed on XXXX for the amount of XXXX dollars on XX/XX/XXXX by cashapp user XXXX XXXXXXXX. He refused to return my money back and did not send me the merchandise he had promised me. So instead of Cashapp helping they kicked me down further and instead of them returning my XXXX that I was scammed for they closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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

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 2023-06-24 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a made a wire transfer for my business to a perfume supplier company in XXXX on XXXXXXXX XXXX  XX/XX/2023. The reciever has not got the money yet as of today XX/XX/2023 .I contacted my banks online wire transfer customer service expert several times. They advised me to go physically at local branch of the bank. I visited the branch 3 times even met the Branch Manager. He let me fill a form and submitted. After 2 days i got a secured messege on my bank acount. It describes the local and intl. wire transfer processing time and also says other financial institutions may place a hold on wires or charge additional fees to receive wires. Chase can't remove or modify a hold placed by other financial institutions. 
Now my question is what was my fault here? They did not even warn me that my money could be held for no reason. How i can send my future business transaction? At least should I not get informed that this is the reason your money is on hold? This is a small anount indeed. But I send bugger amount too. Is the total system trust worthy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXX XXXX XXXX  is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my TransUnion but its still reporting on my XXXX and XXXX list of tracking number 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 2023-06-24 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: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

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 2023-06-24 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: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

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 2023-06-24 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: Self Financial Inc.
State: OR

Complaint narrative:
This involved Self Financial , INC. My account was randomly closed without any notice in XX/XX/2023. I paid my card off almost immediately after using it, I never have any issues paying off my loan or credit. When I asked why they could not provide an answer outside of " we couldn't confirm your identity ''. They did not contact me at any point. I was never notified my account was closed until after I had to contact this company multiple times asking why my credit card wasn't working. I have been waiting a month to receive the funds from my credit card. Every time I call they seem very shady and as if they don't know what's happening and tell me I need to wait to find out. I have been put through the cycle of " we will call or email you '' multiple times and they never do. My card was randomly closed and the full amount of which I paid on it was never refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: AL

Complaint narrative:
On XX/XX/XXXX, an unauthorized inquiry was left on my credit report from XXXX. on XXXX XXXX an unauthorized inquiry was pulled from XXXX. On XX/XX/2022 an unauthorized inquiry from XXXX was filed. On XXXX, XXXXXXXX XXXX an unauthorized inquiry from XXXX was filed. On XXXX XXXX an unauthorized inquiry from XXXX XXXXXXXX was filed .on XX/XX/2022 XXXX XXXX XXXX filed an unauthorized inquiry.on XX/XX/2022 XXXX XXXX XXXX an unauthorized inquiry on my report. On XXXX XXXX an Unauthorized inquiry from XXXX was filed on my credit report. On XXXX XXXX Unauthorized inquiry was filed on my credit report from XXXX XXXXl. On XXXX XXXX XXXX XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXXXXXX XXXX  filed an Unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXXXXXX XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXXXXXX XXXX XXXX  reported an unauthorized inquiry of my credit profile. On XXXX XXXXXXXX XXXX  placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. On XX/XX/2022 ally financial placed a unauthorized inquiry on my credit profile. On XX/XX/2022 grow financial placed a unauthorized inquiry on my credit profile. On XXXX XXXX redstone fcu placed a Unauthorized inquiry on my credit report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 2023-06-24 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: AR

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24 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: AR

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax Extended Alert contact number. 
On XX/XX/2017 I setup an extended fraud alert with Equifax. 
the contact number XXXX XXXX XXXX provided on the extended fraud alert is not accurate. 
I initially contacted Equifax and they claimed to have fixed the issue but the number is still XXXX XXXX XXXX. 
It needs to be updated to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act as a federally protected consumer, I have a right to privacy. 

Per the Securities Exchange Act XXXX XXXX agreed to discharge this debt so it can not be late. 

Per the International Bill of Exchange and Promissory Note XXXX XXXX  failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. 

Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 

15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language 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