vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Close my checking account without any information why and the opportunity to correct the problem. 
Call center, branch costumer service, and any other personnel that I got in touch with in the phone say the reason why my account was closed is confidential and the company have the right not to disclosed this information with me. 

I have a Bankruptcy file two years ago and after almost the same amount of time they close my account and the letter they send me is informing me different things that my account was closed because a previous closed account with the bank. Either they lying or they don't even know why they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting. 
Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1691 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX NA XXXX XXXX XXXX, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX FL XXXX THIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX GA XXXXTHIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME I NEVER WORKED FOR XXXX OR 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 2022-06-23 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: MN

Complaint narrative:
On XX/XX/XXXX I had a storage unit I rented that got burglarized. A couple of boxes of items as well as a laptop bag with personal and business documents were stolen. Among these items were sensitive paperwork containing my social security number and birthday, etc. I filed a police report claiming all the pertinent information related to the missing items and the theft. 

Apparently, within a month someone was using my data to obtain credit and apply for credit. Between XXXX and XXXX of XXXX, I was in XXXX  for 30 days and on XXXX XXXX for 44 days up until about the first week of XXXX give or take. 

I have repeatedly requested that XXXX & Experian investigate this account, provide me with proof of my signature or anything like method of verification, etc.. they have not. The in fact, continue to report the item as verified and updated. 

XXXX XXXX XXXX XXXX account XXXX... IS A RESULT OF IDENTITY THEFT AND I NEED THAT TAKEN OFF OF MY CREDIT REPORT. 

*Data sets related to inputting of accounts were not Metro 2 Compliant. 
*Payment Status Data Listed is Mismatched, Compared to Other Credit Reports. 

I am going to submit the police report and insurance claim documents related to this incident as proof of my truth. I can even get the documents regarding my brief jail time to PROVE that I wasn't even in any way able to open a XXXX account in XX/XX/XXXX. 

My Original CFPB complaint is XXXX If they claim it's to remain on record until XX/XX/XXXX, and won't provide any proof to me, I humbly request the item be immediately and permanently deleted from my XXXX and Experian Credit Reports . 

They have not provided any proof of the Method of Verification nor have they deleted the account from my report. Continue to say the item is updated and it will remain on record until XX/XX/XXXX. How can they do this? They clearly have not properly investigated and have violated my Federally Protected Consumer Rights. 

I have substantial grounds and valid proof and reasoning for the Deletion of This 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 2022-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My father XXXX XXXX XXXX died XX/XX/21 his identity was compromised and stolen. His credit cards were used by unauthorized individuals and maxed out. My brother and I are the only next to kin, my brother was appointed executive of Estate. No one authorized these charges, the address on the account was even changed. We reached out to Capital one several times and spoke with the fraud department, but nothing has happened. My father had several credit cards with Capitol One, Kohls/Capitol One. 
The Capitol One ( partial Account # ) XXXX reflected on his credit report XX/XX/21 it was a balance of XXXX as of XX/XX/21 the balance increased from to a balance of XXXX. 
The Kohls card showed a balance of XXXX on XX/XX/21 as of XX/XX/21 the balance increased to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I opened an account using my ITIN number. I was approved. For some reason, they messed up and register another number that is not mine. I try to register online to access my account and make payments but I can't because my ITIN number is not the one they used so they do not match. I have been calling them for almost 2 months but they still can not fix my ITIN. I've sent my documentation several times, first via mail, then fax ( like 8 times ). After talking to them many times to fix this issue, finally they told me I need to send my ITIN card, which I don't have because this doesn't exist. IRS doesn't issue ITIN cards anymore since 2004, they just issue letters with the ITIN number on them. That's what I sent but they don't hear anything I say and they don't care about it, they are just asking for a card that doesn't even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OneMain Finance Corporation
State: MD

Complaint narrative:
They claim I was sent the loan offer online which is a lie, I wouldnt apply for a loan if I cant pay it back. My information has been compromised over 4 years. It doesnt matter if they have my correct address. I would like to see the paperwork where I signed this loan or applied. With my signature. They did no investigation. 
I DO NOT WANT A EMAIL FROM THEM. I WANT THEM TO MAIL A COPY OF THESE 2 CREDIT CHECKS AND I WANT THEM TO STOP EMAILING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have sent the following letter along with the full text of the email offer I received from aa.com to CFPB by USPS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2022 XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Dear Sirs : On XX/XX/2022 I received the attached email from XXXX offering me the opportunity to apply for a new XXXX XXXX XXXX with a XXXX miles bonus offer after spending {$3000.00} on the card. Despite the fact that this email included an exclusive invitation number it also included language excluding persons who had received the bonus within the last 48 months. Confused by this contradictory language, prior to applying for the card I called Citi Bank to confirm that the offer was valid with the invitation number despite my having received bonus miles in the last 48 months. I was assured by the Citi Bank agent that any offer with their invitation number was valid. 
After recently complying with the terms of the bonus offer for card number ending in XXXX, I called Citi Bank last week at the number on the back of my card ( XXXX ) and asked for confirmation that I had met the requirements. I was told that there was no bonus offer associated with my card, despite having applied by clicking through the offer email. The offer spending compliance was confirmed. Today I called that number again and spoke to an agent who flat out told me that the 48 month exclusion language takes precedence, despite being previously told that the invitation number takes precedence. I was also told that I would not get the offered XXXX bonus miles. I asked why I was sent the offer if I was not eligible and was told that they CAN NOT TRACK their customers eligibility before sending out offers. 
To fix this failure to comply with their offer as confirmed over the phone with their agent BEFORE APPLYING, I am asking for the XXXX offered miles to be added to my XXXX  account XXXX 
Thank you for your attention to this matter ;

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 2022-06-23 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: TX

Complaint narrative:
Equifax credit bureau has reported an incorrect collections account which WAS REMOVED PREVIOUSLY XX/XX/2021. The account " XXXX XXXX XXXX  XXXX isn't my account, it has been deleted from all 3 bureaus due to inaccuracy. 
A proper investigation according to the FCRA was not conducted. This account was reported by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 a account without my written instructions

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 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IA

Complaint narrative:
Company : Binance.us Account registered under XXXX Ticket number XXXX I am one of many that are victims to Binance.us internal issues that disable accounts so that we can not access funds. I have sent six ticket requests under three different email addresses to try to get a service agent to talk to me. Two weeks ago an agent asked for a verification video and document pictures and I provided it immediately. Check XXXX  and XXXX and you will see that this is widespread, perhaps thousands of people affected. Binance.us does not have a phone number or live chat option so customers get locked out and can only submit ticket requests, which go unanswered. Some people on XXXX  and XXXX claim that Binance.us locks their accounts for months and several claim for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: MD

Complaint narrative:
In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX account name : XXXX XXXX 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-23 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: MD

Complaint narrative:
In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX account name : XXXX XXXX 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am a federally protected consumer and a natural living person. I recently made a report in regards to a validation of debt to this company, " SEQUIUM ASSET SOLUTION '' and I now have new information. I am aware that SEQUIUM ASSET SOLUTION, is also violating my rights to privacy by reporting unfair and inaccurate information and not being in accordance with the FCRA as 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I have also never given direct consent to SEQUIUM ASSET SOLUTION to furnish anything to my consumer report so they have no permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: GA

Complaint narrative:
I tried to get my 3 free credit reports. Experian is not recognizing me. When i tried to reset my password and try tocorrect the wrong information they have about me, they sent my password and id to a RANDOM STRANGER at " XXXX '' -- - who is this????? Ive tried 9 different phone numbers to try to talk to a human! No human!! The automated voice does not recognize me or my request. The auto voice doesnt have option for EMERGENCY -you gave my info to a stranger! I cant put a block or freeze because im applying for an appartment tomorrow. Please help!!

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 2022-06-23 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # : XXXX XXXX XXXX ( XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 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: NV

Complaint narrative:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NV

Complaint narrative:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers 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 explanation