vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: CA

Complaint narrative:
Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX XXXX, I called Chase VISA fraud department the other day and they requested I send another letter to your attention regarding my matter of fraudulent charges on my Chase Visa credit card. The charges on XX/XX/XXXX were in the amount of {$42000.00}. I have been writing letters and sending them certified mail and calling to resolve this matter for over a year and to have the fraudulent charges removed from my account. I have not had any luck and have been passed around from person to person and no one saying they can do anything to assist me resolve this matter. 

Here are the facts of this matter : 1- Fraudulent charges made XX/XX/XXXX for {$42000.00} 2- On XX/XX/XXXX I was requested to send a certified letter which I did to your attention and you signed for it 3- On XX/XX/XXXX I went to Chase bank in XXXXXXXX XXXX and spoke with branch manager XXXX XXXX, who got on the phone and spoke with a Chase representative in the fraud department 4- I have been a Chase VISA card member for nearly 40 years and anytime over those 40 years if I make a large purchase for over {$4000.00} I immediately give a call from VISA and they ask if it was myself that made the purchase 5- Yet on XX/XX/XXXX a charge for {$42000.00} is made and I never received a phone call 6- I have no idea who made these charges, where it was made nor what was purchased for those charges I am looking to resolve this as it is effecting my credit score and it has been going on for over 1 year. In addition I wanted to use my credit card and need a new one issued once this matter is resolved. I thank you for your help in this matter and look forward to its resolution. If this matter can not be resolved you will leave me not choice but to report this to the FTC to have them be in contact with you to resolve this matter. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit card # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX XXXX for XXXX on my PayPal Credit account. I returned all items on XX/XX/2022. PayPal credit never refunded my money. I contacted them in XXXX and filed a dispute and they said it would take at least a month to investigate. Supposedly I had paid XXXX toward this bill. I contacted them again in XXXX and they said they had no record of such disputes and theyd put it in again. I contacted XXXX who send me the copy of the return for PAYPAL CREDITs system. The returns were made in 3 different transactions that totaled the XXXX. XXXX. I sent in this information to PayPal by both fax and email. When I STILL didnt have the credit in XXXX I filed an FCC complaint and then the next day I got my credit returned. I just looked at my account and on XX/XX/XXXX I was charged AGAIN for the XXXX. I just called PayPal Credit and they said they were sorry but they found the dispute in favor of the merchant. The merchant sent me the record from PayPal so there is no way this is true. I am being charged for a return I made. PayPal has the info I sent them plus they have the return in their own system. I need this back off my account 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 2023-01-14 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a 36 months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a 30 day Late payment. The XXXX years I had lease with Kia I was never late with a payment. 
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home. 
After doing so please provide me with an updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: PA

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. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: PA

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. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: DC

Complaint narrative:
I have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which Equifax and XXXX did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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:
This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a XXXX  months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a XXXX day XXXX payment. The XXXX years I had lease with XXXX I was never late with a payment. 
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home. 
After doing so please provide me with an updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am XXXX XXXX, a Citi Premier card holder. 

On XX/XX/XXXX, a fraudulent charge appeared on my credit card account ending in XXXX, appearing as " XXXX XXXX XXXX XXXX CA XXXX with an amount of {$210.00}. I called both the general customer service and the fraud department immediately, XXXX phone calls. Both people confirmed with me that my account has been blocked. However because my account is brand new they can not verify my information online so they would mail me a letter and I can only dispute the charge after I receive the letter and follow the instructions written on it. 

The next day I went to a XXXX and called the fraud department from there. I was told that my accounthas been blocked so I could rest assured for now. 
However, today when I checked my online banking I saw a new fraudulent chargeAPPEAR on my account. It was on XX/XX/XXXX, after I made the first XXXX phone calls and was told that my card was blocked already, in the name " XXXX XXXX XXXXXXXX CA '' with an amount of {$110.00}. I immediately made a phone call to the dispute center and the person who picked up the phone only told me to wait and refused to offer me any further information. 

I don't know how the scammer could still use my card when it has been blocked. Has it really been blocked? I feel disrespectful and very very anxious. A proper explanation is badly needed. Moreover, I need to submit disputes to both charges now and get reimbursed. 

Sincerely, 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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a call from my bank XXXX Bank of America ) informing me of unusual activity. They stressed the importance of transferring funds so I would not be subject to overdrawn fees. My caller ID showed the caller as Bank of America. They confirmed some personal information on my account. 

They walked me through the transfer using XXXX. They gave me a confirmation code to use, this was actually a phone number. 

As soon as I hung up I contacted Bank of America to stop this transaction. They opened a claim which I found out yesterday was denied.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA locked my bank account, moving forward with closing the account and not letting me open a new one. On XX/XX/2023 got an online job offer supposedly from a company call XXXX. On XX/XX/2023 interview was done through app XXXX by someone named XXXX XXXX. They offered XXXX equipment, where they FedEx a check for {$4500.00}, told me to be deposited and keep {$300.00} as signing bonus. I proceed to deposit the check. Later they stated that it was their fault and the IT seller need it more money, another check was provided for {$4900.00} and to keep {$200.00}. Later they sent me 2 FedEx tracking numbers which it was valid but later on on the FedEx site it was pending. They say in the meantime to work as a XXXX XXXX XXXX  by depositing multiple checks daily, the checks had a bank account from XXXX XXXX XXXX which is a legit construction company. The checks was instructed to utilize an specific ATM with access to a transfer system call XXXX that pulls the money from your bank account once the check is deposited. The total of the checks deposited was : {$17000.00}. Per USAA the checks bounced leaving my account in negative which I didn't get a chance to see and/or barely got an explanation USAA believing that I scam the bank. My bank account was wiped drained of close to {$2500.00}. USAA gave me no chance to dispute or explained what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: MN

Complaint narrative:
Equifax last time speaking on XXXX XXXXXXXX before taking legal action see file lets be done with this XXXX XXXX today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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:
Between the end of XXXX and XXXX of 2022, I was approved for a line of credit of {$8000.00} through XXXX. Rather than transferring funds as needed into my existing accounts, I requested a separate credit card which the institution granted. The primary purpose of the loan was to have an active account reporting to my credit report to help increase my score. When I applied for the loan, my score was close to XXXX. Upon review of my credit report after the approval of the line of credit, I found that my score had plummeted XXXX points. When I spoke with a XXXX representative, it was confirmed that the {$8000.00} was cashed and deposited into a new account in order to issue the credit card which XXXX did not advise me prior to doing so. I am very aware how this would affect my XXXX and credit score therefore I would have never authorized the loan to be cashed and deposited. I asked for the name of the representative that processed the transaction and was not given the information. Aside from the issue with the personal line of credit, I was also informed by another XXXX representative that a monthly fee was being charged to XXXX of my accounts that should have never been charged since the account was meeting the requirements for the fee to be waived. I requested over the phone and in person for my account to be reviewed ; neither of the representatives provided assistance as I requested. I have contacted the institution via phone, online chat, and in person regarding the issues with my accounts. I am constantly pawned off to the next person and no one is willing to assist. I have given the institution and theit representatives ample opportunities to fix the issues at hand. I'd like to move forward with your assistance as the issues persist at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 : 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 explanation
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
An inquiry with XXXX is listed on my credit report that I did not authorize or initiate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.

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