vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, I've contacted XXXX XXXX Customer Service and Their response is " they have to put in a ticket. Well, it been a week and ill still haven't been able to access my credit report. I'm really concerned about this. Look for an important letter in the mail and it relies heavily on my Equifax person information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to buy a washer and dryer and this store they offered me 0 interest in 12 months to pay i made all my payments even made More than what the minimum payment was and now they are charging me over {$1000.00} dollars in fees that I have no clue why

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 2022-08-16 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:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT EXPERIAN : XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XX/XX/XXXXXXXX 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 2022-08-16 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: EQUIFAX, INC.
State: PR

Complaint narrative:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.

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 2022-08-16 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: NY

Complaint narrative:
I had my identification stolen and someone was able to take out a auto loan by XXXX XXXX in my name for years ago I tried to dispute it with Experian by releasing a copy of a police report and Experian and XXXX XXXX  refused to take the car loan off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a Dispute on XXXX website with JPMCB ( JPMorgan Credit ) whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a Federal Prison, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico where I notified them of the crimes against me. Further, I included the XXXX XXXX documents from First Judicial District Court in XXXX XXXX, NM where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was XXXX and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. JPMCB and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While XXXX, all my accounts were assigned to the address in New Mexico of the perpetrators of theft against me ; this is fraudulent, as I never lived in New Mexico. I have always been a citizen of Texas ( except for 4 years I spent in a Louisiana prison during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of Texas and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: PR

Complaint narrative:
ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
I have sent several FTC Identity theft reports to TRANSUNION yet as of todays date, the adverse accounts on the report are still currently reporting onto my consumer credit file. Whenever I speak to any agents at TRANSUNION they tell me that their " Internal polices '' prevent them from blocking information due to identity theft, which is noncompliant with 15 U.S.C. 1681c-2 ( a ). I have sent TRANSUNION everything that the law requires yet these accounts are still reporting onto my consumer credit file in violation of the Fair Credit Reporting Act. I have attached the required information to this complaint as well. It is frustrating already having to deal with matters of identity theft and the consumer reporting agencies such as TRANSUNION are supposed to have procedures in place to ease the burden consumers face when dealing with identity theft. I have decided to use this CFPB complaint to contact and provide all of the information required by the subsection so that I have a formal record of my attempt to handle this matter directly with TRANSUNION prior to any further required action. The law is very clear about what is needed in order to apply the block of reporting in regards to matters of identity theft. This adverse information is harming me tremendously and preventing me from moving forward in life, I am unable to get a house to live due to these adverse accounts damaging my credit file. These matters have severely harmed my general reputation and because I have never authorized the reporting of these adverse accounts my individual rights to privacy have also been violated. Please ensure that TRANSUNION follows the law and Blocks the reporting of the information that I have identified as resulting from identity theft. For the record these accounts have already been blocked from reporting by XXXX ( proof attached ).

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 2022-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Back in XXXX i had an alert to 4 charges to my capital one card, through walmartXXXX and another vendor out of XXXX. I called capital one and told them it was a fraudulent charge. They supposedly put a stop to it, credited my account and told me to contact walmartXXXX. I then called walmartXXXX and put a stop on delivery. I received and still have emails from capital one and walmartXXXX  stating stops on both. In XXXX, XXXX night @ XXXX the credit disappeared and i was supposedly responsible again. I called capital one again and they launched a supposed investigation. I then recieved a letter stating that my fraudulent charges had been extinguished and not to worry, allow a couple of weeks and everything should be back to normal Now end of XXXX they see that 2 charges were fraud but not the other 2. Capital one has done nothing but harass me with emails trying to collect on a mistake that they made. Constantly emailed or called informing me on ways to pay them on a fraudulent charge. Capital one also informs you that they are recording you but you not allowed record thier confusing, fraudulent dealings on how to take the customers money but pay the supposed seller. I am at the end of my patience and feel nobody is out there to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX of XXXX thru XX/XX/2021, I noticed that after XXXX XXXX reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop 10 points on two credit bureaus each time and 9 points on the other. A total of 29 to 37 points. I make it a point to keep my utilization within 10 % as I have been working hard to build my credit expecially over the past year. After several conversations with XXXX XXXX where they insist that they are not reporting the balances, and also calls to myfico and Equifax, I had no choice to turn to CFPB for investigation. I have also asked several times for the XXXX XXXX customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the three times this happened, I did see where one of the times the balance was reversed back but, I was not given my 10 points back. I am a XXXX XXXX owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the three credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
As of XX/XX/2022 your credit score is 638. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are : Ratio of balance to limit on bank revolving or other revolving accounts too high Length of time accounts have been established Lack of recent installment loan information Too many inquiries last 12 months As of XX/XX/2022 your credit score is 664. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are : Ratio of balance to limit on bank revolving or other revolving accounts too high Length of time accounts have been established Lack of recent installment loan information Amount owed on revolving accounts is too high Too many inquiries last 12 months So the limit was lower creating a lower credit score.

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 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a bill for a credit card under Capital One. Then later on, when I pull my credit report to prepare for a mortgage loan, on my credit bureau report, there is an unpaid balance of XXXX under my name and account number is XXXX. 
However, I never had any credit card account with Capital One. I only have a debit card, and my Capital One app also doesn't show any of Credit Card. 

XXXX and XXXX XXXX apps also didn't show this card. 

I don't understand why do I have an unpaid balance although I have never opened a credit card with Capital One. 

Please help to address this and remove this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Take NOTICE ... This is my final request to have these deleted 2. Account Name : DEPT OF NELNET Account Number : XXXX off my consumer reports and credit reports... .Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
1 ) raised a dispute request 30 days back with XXXX regarding my credit score decrease drastically, they investigated and gave some of the credit points, but not fully. 

2 ) raised a dispute request 30 days back with Equifax regarding my credit score decrease drastically, seeing same credit score even after investigation .. so raised second dispute with unsatisfied results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays changed my name on my account without my authorization and without notifying me. Only incidentally noticed name change on my statement. I notified them of error and they changed back. Now trying to require me to submit documentation to keep my correct, legal name on account that I have had for years. Concerned that a security breach occurred to precipitate name change and they are not responding to this concern. I am uncomfortable submitting documentation to them given the sketchiness of this incident.

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 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation
State: FL

Complaint narrative:
I do NOT have any debts. I do NOT know why this company is calling and harassing me. I've asked them to stop calling me and they persist. The company calls and doesn't leave a message. I XXXX XXXX searched the number XXXX and it comes up at Credit Solution Corp.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX consumer and natural person, am aware of all rights that I have, and which are protected by the Congress under the Fair Credit Reporting Act. ( FCRA ) XXXX XXXX XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX XXXX, and XXXX  Illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant XXXX XXXX XXXX, and XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

AS the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of XXXX XXXX XXXX, and XXXX  filings to all consumer report agencies. 
Remove reporting of XXXX XXXX XXXX, and XXXX from all consumer reports. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by XXXX. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of XXXX and Experian to report 100 % ACCURATELY on my credit report. XXXX has reported false information to Experian and instead of Experian doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my 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 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was an unauthorized XXXX Transfer using my Bank of America account. I did NOT authorize the transfer of over {$3000.00} to this user. This individual used my phone without my permission to transfer money to another account via XXXX and because this individual had my phone, this person had access to the authorization code sent to my phone to confirm the transfer. 

Regardless, I did not know that this individual had access to my bank account nor did I authorize this individual to transfer money using my Bank of America app. Bank of America has denied the fraud claim because my own phone was used to transfer the money, but this does not take into account the ability for fraud to happen if an individual besides myself was in possession of my phone. 

I would like to submit a complaint that Bank of America was not following regulation E, which provides protection for consumers who fall victim to 'unauthorized Electronic Fund Transfers ' ( EFT ), requiring banks to offer the victim compensation for any losses incurred.

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