vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXX XXXX  Account # XXXX {$25000.00} UNKNOWN INQUIRIES : 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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OK

Complaint narrative:
I got the credit card and paid more than the bill every month on auto pay. I have their app and they said they sent a letter and I did not respond but I didn't receive a letter. I pay every month and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX  has taken thousands of dollars refused to change email and password for me after my password phone and such were stolen. I sent the police report and documents to no avail. Cashapp also denied my XXXX dispute from the robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I was scammed by someone who has me cashapp them XXXX $ in a scam. I sent screenshots as proof as this scammer was trying XXXX different cashapp accounts for me to transfer to. This when I reported that I had fallen for a scam cashapp refused to refund my money lost stating that the refund was denied. This was unacceptable and unauthorized as had I been aware this person was a scammer I would have never have sent over any money. Despite having the screenshots proving so I was still denied my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have been calling since XX/XX/XXXX to pay my credit card with comenity bank that I have for a XXXX XXXX credit card. My bill was only {$32.00} it is now {$66.00}. I started calling on XX/XX/XXXX my bill was not due until XXXX. When I call and try to make a payment they tell me they system is down and they can't access my account. Or when they do get in my account and take my payment they get a ERROR notice and it wont take my card. I even tried to do it through their automated system and that wont let me ither. They told me they are working on the problem but no one is giving me answers. I have been calling EVERYDAY since XX/XX/XXXX trying to get my bill paid. I now have interest charges and I am upset. I do not want this to mess up my credit. This company is HORRIBLE. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 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: KS

Complaint narrative:
I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from XXXX and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all XXXX of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all XXXX credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed BBB complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED

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 2022-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND IM DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: TX

Complaint narrative:
have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND XXXX DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT

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 2022-10-16 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: SF VAGO, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 that states I have the right to privacy 15 USC 1681 section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666B a creditor may not treat a payment on a auto loan account under open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: PA

Complaint narrative:
On XXXX I received an email from Capital One bank that my credit card payment was due. I did not knowingly have a credit card with Capital One. I had never applied for XXXX. I did have several savings accounts with that bank. I called them and the bank agreed to investigate why the account had been opened in my name. 

They sent me a letter saying that fraud was involved. I am concerned because I had frozen my credit report with all XXXX credit rating agencies some years ago. I don't understand how Capital One could have accepted an application for a credit card when my credit report accounts were frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all 3 of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED

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 2022-10-16 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: KS

Complaint narrative:
I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all XXXX of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase continues to give the runaround and failed to provide effective oversite while working with the XXXX XXXX XXXX ( XXXX ) XXXX and is still failing to accept the XXXX payment. The program provides financial assistance to allow homeowners to pay off housing-related costs related to delinquency, forbearance, or default of mortgages. 

My complaint includes the following : XXXX. Failed to respond in a sufficient and timely manner. 

XXXX. Failed to provide effective and efficient oversite with the XXXX XXXX  and the borrower. 

XXXX. Lack of adequate staff with the qualifications and skills to oversee and assist with the XXXX program. 

XXXX. Failure to provide an adequate designated representative to provide XXXX staff with the information required to complete the HAF processing XXXX. Failed to provide adequate training to staff related to the XXXX processing process. 

After receiving numerous telephone calls and voice messages from numerous Chase staff and speaking with numerous staff, still, no resolution has been reached. This has been dragging on since the beginning of XX/XX/2022 when Chase failed on numerous occasions to respond through the XXXX  submission portal with the required information to complete the process. 

On Friday, XX/XX/2022, before the closing of the business day I received a call from XXXX XXXX XXXX at Chase. XXXX XXXX was assigned to address this issue regarding the XXXX XXXX back in XX/XX/2022. XXXX XXXX continues to have no clue or any idea about what is going on, nor seems to know who to speak to regarding the XXXX XXXX. Although I am sure Chase has some sort of Finacial Assistance Agreement with the US Treasury, XXXX XXXX has stated that Chase is not involved with the process relating to the XXXX program. For the past 2 months, none of Chase 's staff has had any idea about what needs to be done to resolve this issue when working with the XXXX processor responsible for gathering the information to provide payment of the arrears balance on my account. 

After reaching out to Chase on several occasions through conference calls with the XXXX  processor to obtain the required information and after speaking with the processor, I was told that Chase in fact failed to provide the required XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) form. They also provided an incomplete XXXX of the Mortgage form that did not include the amount that was delinquent. This information was necessary to complete the XXXX payment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am a Bank Of America customer. 
On XX/XX/XXXX in the morning I discovered that XXXX large amounts had been charged from my card overnight. I immediately contacted the bank by phone and e-mail to report the fact of illegal use of my card. The bank told me that an investigation had begun and that I would receive the result in 10 days. Exactly 10 days have passed and in the evening ( last minute job ), I've got the result and the result was negative with the following explanation : The charge was authorized by you or made by someone who has permission to use the card or account. 
I did not make these transactions. At the time, I had been in the country for about a month, and was actively working on the basic paperwork for living in the US what's visible by the nature of my spending. It is obvious that the card was compromised and that the purchases made with it are of a different nature than mine. In order to authorize a purchase, customer should have XXXX from the very beginning so I did not therefore someone who copied my cards ' details did it other way. 
The bank did not provide sufficient protection mechanisms, which led to the theft of the customer 's money. The bank failed in its primary function of preserving the customer 's funds. 
The investigation of my complaint was done unprofessional and needs to be re-examined. 

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 monetary relief
Consumer complaint received 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last XXXX of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..

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 2022-10-16 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: CA

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..

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