vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ), I believe that the presence of this account on my credit report is inaccurate and is causing significant harm to my creditworthiness. I would like to bring to your attention the fact that the Internal Revenue Service ( IRS ) considers a charge-off as taxable income. As such, this inclusion on my credit report is both misleading and inaccurate, as income is not supposed to be reflected in a consumer 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 non-monetary relief
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ), I believe that the presence of this account on my credit report is inaccurate and is causing significant harm to my creditworthiness. I would like to bring to your attention the fact that the Internal Revenue Service ( IRS ) considers a charge-off as taxable income. As such, this inclusion on my credit report is both misleading and inaccurate, as income is not supposed to be reflected in a consumer 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 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank which finances the TJMaxx Rewards card closed my account today after XXXX months of having the card opened. I paid each month on time and actually paid it off recently. My credit score has gone up actually in the last month and a half because I have paid down a lot of my credit cards ( or paid them off ) and personal loans. The reasons the company used was that I did not have real estate in my name to secure the account ( which I didn't have when I opened the account 7 months ago ), that my balances are too high, which is not factual as of XX/XX/XXXX and if XXXX XXXX or XXXX is reporting such, they are reporting erroneous information because I have proof that I have paid down my debt. 

I contacted the company and spoke to a manager who opened an investigation and while discussing with her I informed her that this seems to be a pattern. I have other XXXX Americans who have made similar comments that Synchrony gave them credit on these store credit cards and around XXXX XXXX months later the card ( XXXX ) were suddenly closed after a big purchase like a house or car. I have also memory that I had a XXXX and Care Credit card that were in good standing in XXXX that they closed 8 months later after I paid them both off. 

This company is practicing discriminatory lending practices, issuing credit then suddenly after the cards are paid off, closing them without legitimate and factual reasons. At least if the reasons were valid when you approved me you can not use the same reasons to suddenly close my account, correct? And now it's happened twice. At least in XXXX, I owned a home that didn't suffice to secure to credit cards with a total {$1500.00}!!!!

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 2023-08-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted onXX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXXXXXX XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted on XX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

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 2023-08-13 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: Westlake Services, LLC
State: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

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 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has locked my account and made myfunds unavailable to withdraw, ive contacted support multiple times now and they never give me an answer on why it has happened. I need to withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 my account ( XXXX ) with Capital One were closed due to " XXXX ''. For the past XXXX months, XX/XX/2023 XX/XX/2023 and XX/XX/2023 no one in customer service at Capital One has been able to explain to me in details who committed the fraud and what happened exactly. I did not authorize for my account ( XXXX ) to be closed in relation to fraud because I'm unaware of fraudulent activity ; unless it is on their end. While under review please consider XXXX XXXX. XXXX XXXX Capital One sends to my address every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
While reviewing my credit reports from the credit bureaus due to the recent identity theft issue, I discovered that there was one hard inquiry from BMW Financial services on XX/XX/2023. 
Someone stole my identity and purchased a car from an dealer with fraudulent transactions on XX/XX/2023 and the hard inquiry on XX/XX/XXXX XXXX be related to this fraudulent deal. 

I contacted BMW Financial services for the details on XXXX XXXX & XXXX for XX/XX/XXXX hard inquiry but the fraud department was not reachable. 

I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX XXXX XXXX  Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

The hard inquiry submitted on XX/XX/2023 is clearly fraudulent which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Services, Inc.
State: IL

Complaint narrative:
Certified Services Inc continue to violate my consumer rights by reporting this alleged debt. Certified Services Inc is a third party to the agreement therefore they hold no rights to enforce the contract. 

XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this XXXX and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has literally been doing absolutely nothing to help me for eight months to resolve my dispute with this rental car company. The company already admitted to overcharging me by {$400.00} for no reason and then they had an itemized bill that didn't even add up mathematically. Thus, they still billed me for an additional like {$700.00} worth. Thus, even those charges were bogus too and I told them that if someone was not happy with the service, then as a credit card company I have the right to dispute it even all together. I told them that it was clearly fraud if they arbitrarily charged my card for no reason on an amount, and the other charges were fraudulent as well. They have been rude, nasty, and disgusting. They've also denied my claims in my checking account for charges that were made for a service that I did not use, which was XXXX, and I have never had a XXXX account. On another card that I have with them, my XXXX card, the same thing occurred, the merchant XXXX overcharged me and they refused to correct it with the evidence as clear as day. My credit score and report has been deeply impacted, because they keep charging me late fees and interest by this and they literally refuse to do anything at all. I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not fair at all. The last person I spoke with was horrific and said the case is closed and hung up in my face. I have recorded all of the calls that I have had with Capital One concerning these issues. They are lazy, and behaving like a corner store pay-day loan company. I will take them to court. All of their associates and supervisors are uppity, ignorant, and inept. I have received absolutely no help from them at all. I hate this company so much. The last time that I had a problem with a bank and credit card and complained about them vigorously was about 12 years ago. And guess who it was? XXXX XXXX. And guess who had lawsuits from here to XXXX? I received several checks from them, because of their fraudulent behavior in which I sounded the alarm years before they went down. XXXX XXXX XXXX XXXX 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 I'm not an XXXX. This is why I have kept meticulous records, voice recordings, and correspondence of their indolent, rash and XXXX  behavior. I want them to follow the law and the regulations governing them. Please assist me because I am dealing with XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

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 2023-08-13 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: NY

Complaint narrative:
There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received USPS mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.

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 2023-08-13 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:
Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT DATE : XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT DATE : XX/XX/XXXX, XXXX are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Jefferson capital systems LLC 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 an account without my written instructions. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank, which finances store credit card accounts for Best Buy Stores initially approved me for a credit limit of {$2000.00} in XX/XX/2023. In XX/XX/2023, after I made a sizeable payment to pay my debt down, they punished me by lowering my credit limit to {$900.00}. Which is an odd number. Also, made it look like I went from having available credit of approximately $ XXXX {$1300.00} to available credit of {$54.00}!!! They cited that I had high balances, etc but as I stated above, I received a settlement and paid down or off all of my credit cards and personal loans. Weeks later my credit score started going back up! It seems predatory to approve me for credit when I had high balances and inquiries before and now when things are trending down and I pay my bill on time every month and actually paid down all of my other debt too that they would reduce my available to a point that only left me with {$54.00} to use. Now it looks like I'm over utilizing my credit card account, which is also a misrepresentation and not fair credit reporting by any means. That's predatory to 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 2023-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Data X an Equifax Company shared my information with XXXX XXXX without my authorization or consent which led to me being denied credit my privacy was violated by Data X and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy

Company response to consumer: Closed with explanation