vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: OH

Complaint narrative:
Aggravated Identity Theft pursuant to 18 USC 1028A FCRA 15USC 1681A- Consuming reporting agencies reported without permission or without a permissible purpose by law XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX BANK XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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 2022-09-29 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:
UNATHORIZED CLOSED ACCTS REPORTING ON CREDIT FILE. 
ACCTOUNTS DO NOT BELONG TO ME NEVER DID BUSINESS WITH BANKS

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 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Control, LLC
State: WA

Complaint narrative:
As I stated many times over anything to do with Missouri credit cards are forms of harassments because I told these folks do not contact me, email me, and mail me as it took almost 6 years to get my credit report the best scores I could get in a long time. I think the best thing for this to be resolve is to not ever contact me whatsoever so just delete, erase, and remove this debt off my credit reports cause I owe you nothing. 

Furthermore I resent the implication, that I am being falsely accused of a debt, that is lingering, and passed around to third parties of all types threatening me with financial burdens, that I don't even owe where it is bad enough I have blocks on my credit report let alone disputes of all types, and creditors wanting me to purchase their credit cards, and cyber hackers trying to steal, and get credit cards in my name.

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 2022-09-29 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX I filed a dispute for {$77.00} regarding an Amazon return and the fact that Amazon put the amount of refund on an Amazon Gift Card instead of this Amazon XXXX Chase Credit Card. I was advised that the {$77.00} would be immediately credited to my account and that Amazon had 15 days to respond. 
The credit of {$77.00} was not placed on my account. On today, Wednesday, XXXX the representative stated to me that I was trying to get the gift card and credit. This is not true. I have repeatedly requested that Amazon transfer the {$77.00} from the Amazon gift card to Amazon XXXX Chase credit card. The supervisor was antagonistic and would not transfer my call.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime closed my bank on XXXX XX/XX/2022 with no warning or reason still had XXXX dollars in it and Im afraid my daughters ssi check will go in this closed account Friday cause they didnt give me enough time to change bank just did that today XXXX XX/XX/2022 and has to be done before the XXXX of every month Im afraid they will try to keep her ssi check plus my XXXX dollars in the account they closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have had my student loans since 1997. The principal was originally around {$24000.00}. It has been sold a number of times to different banks. I have made payment on XXXX 's, used forbearances and everything within my ability to make payments. I've ask Navient for information regarding payment historys, but with the loans being sold so many times, i've never gotten close to 20years worth of repayment in order to be forgiven. OR so i've been told. I've raised my 3 children on a single income for the past 20 years and still have made payments on time, every time. 

I was never told that i might qualify for a {$0.00} dollar pymnt using an XXXX rather than allowing the forbearance to build in interest. 

I want to payoff this loan, but ... the {$60000.00}. balance is insane. I have asked Navient a number of times, what I can do and they do not have any options out there for me other than the XXXX. 

I need this loan to be recalculated and looked into by someone. Since its handled through Navient, i don't think I will qualify for any of the government assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife and I submitted a Certificate of Trust form to Capital One to convert our existing savings account to Revocable Living Trust ownership. We paid {$30.00} to get the form notarized. On XX/XX/XXXX, we received a message from Capital One stating " The Certificate of Trust form you sent us is incomplete and couldn't be processed ''. I contacted Capital One for more clarification, and they stated they couldn't process the request because the trust name was too long as it exceeded 120 characters. However, the form doesn't mention this limitation and actually allowed me to type in more than 120 characters. The customer service agent stated that I would have to submit a new form with a new notary signature. I shouldn't have to spend the additional time and money resubmitting this form with a notary signature as there was no indication of the character limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
I have been charged {$130.00} plus late fees and interest for a fraudulent purchase supposedly made by me on XX/XX/2022 for XXXX XXXX XXXX in XXXX, AZ. I have complained to the credit card company about this in z XXXX, XXXX, XXXX and XXXX. This has not been resolved and they continue to bill me for the fraudulent purchase plus late fees and interest. Even a simple XXXX search shows that the XXXX XXXX XXXX does not exist and others are also complaining about being charged for this non-event.

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 2022-09-29 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: NY

Complaint narrative:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.

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 non-monetary relief
Consumer complaint received 2022-09-29 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: CT

Complaint narrative:
UPDATE TO COMPLAINT # XXXX EQUIFAX is in breach of their DATA SHARING POLICY which states they MUST keep a record of given consent to furnish a consumer report and I demanded the recorded consent and EQUIFAX has not provided it so there for they must delete the demanded items i sent in my letter. EQUIFAX IS IN BREACH OF THEIR DATA SHARING POLICY AND MUST DELETE DEMANDED ITEMS FROM MY REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XXXX Balance XXXX XXXX and XXXX XXXX  Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased a car XX/XX/2021, from Kia Motors XXXX, CA. But according to 15 U.S. Code 1605 - Determination of finance charge this code states that there should not be a cash down payment for consumer credit transaction. Kia reps continuously call and harass me on a daily basis. I already submitted {$4500.00} as a down payment ; I was not aware till further research that a down payment is not necessary upon a car purchase agreement. As a result, I would like to be refunded the initial {$4500.00} 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 explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I applied for a LOC with CashNetUSA online and was excited to start rebuilding my borrowing access to different companies. I did not realize that making a payment, the amount only goes towards fees and interest, nothing on principal. When I realized this after the first payment was made on XX/XX/2021, I contacted the company via chat and email. I asked to change biweekly payments because I can not afford to pay over $ XXXX {$700.00} a month. After all, the payments vary. The company communicated back with me and said it's nothing they can do. Therefore, I expressed again that I will not be able to pay and requested the LOC to be closed to stop fees from incurring, but I was told nothing can be done. I was disappointed with their response and did inform them that I would reach out to other consumer agencies to ask for help in getting this rectified. I just got the LOC approved in XXXX, and made the first payment as it was set, but when I realized how much biweekly because the second payment increased over {$100.00} more than the first payment, I knew this will not be affordable to pay biweekly. I even asked for a once-a-month payment in a lower term but was told this is not possible. I don't want to let the loan go into default but with no other choice, I will have to let it default and pay on it once a month. I am reaching out for assistance to get this account closed with an affordable once-a-month payment and no more fees or interests be added to an inactive account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sonnek & Goldblatt, Ltd.
State: KY

Complaint narrative:
I sent out several affidavits to XXXX XXXX XXXX and Sonnek & Goldblatt. I also sent a cease and desist telling them cease all forms of communication and they still have yet to do that. They have also failed to lawfully validate this alleged debt and they are refusing to pay the attached invoice as well. However, they are now garnishing my wages and I do not consent to these proceedings. I'm sure a court hearing with all the facts and exhibits brought forth will show they are in default by failing to properly respond to my affidavit ( s ) and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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:
This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2022-09-29 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: CA

Complaint narrative:
This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: MD

Complaint narrative:
Multiple Accounts on my Report that I am not familiar with

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 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. 
I am submitting this complaint on my own behalf. 
I received documentation from Bank Of America that I owe them a debt in the amount {$1200.00} Account ending in XXXX I requested Bank Of America to Validate alleged Debt pursuant of 15 U.S.C 1692g I requested the following : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and Bank of America, that prove I agreed to pay the alleged amount. 
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 


Bank of America received my request for validation of the alleged debt on the date of XX/XX/2022 via certified mail Please see attached certified mail return receipt Bank of America responded XX/XX/2022, but failed provide adequate proof or validation of the alleged debt. ( As seen in there response uploaded as an attachment to this complaint XXXX Bank of America has violated my federally protected consumer rights by failing to validate the alleged debt upon request from me, the consumer. 

This account needs to be deleted from the records of Bank Of America and any /all affiliated companies records ; needs to be removed from all major credit reporting agencies. ( 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 explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NH

Complaint narrative:
There is an auto loan showing. I dont have any auto loans at this time. I bought the XXXX XXXX with cash and I have the title. It states US Bank # XXXX. Auto loans or leases Total balance : {$15000.00} US BANK Balance {$15000.00} Balance updated XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX I would greatly appreciate any help you can give to get this removed from my credit report. Thank you, 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