vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2021, I paid the balance {$330.00} on my credit card from my checking account ( same company ). Normally the available balance adjusts accordingly. It did not. I waited until the next day to check, still not updated. I called the credit card company and they said my account was on a 26 day hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021, I initiated a {$290.00} funds transfer on chase.com from my XXXX XXXX XXXX to my Chase XXXX. ( The XXXXXXXX XXXX  XXXX was verified a few weeks ago by Chase via trial deposits, and a transfer had previously been made from my XXXX XXXX to my Chase XXXX, via chase.com. ) An hour or so later, I received the following e-mail from Chase : Transfer Cancelled We encourage you to sign in to read your Secure Message because it contains specific information about your account. 
View your secure message in two ways From Chase Mobile, go to your profile and choose " Secure Message Center '' At XXXX just sign in to your account. 
The secure message will expire on XX/XX/2021. '' I logged in to Chase.com, and received the following message : " Important : We locked your account due to suspicious activity. 
To unlock it, call the number for your account or reach out to your servicing team. 
Chase Personal or Chase for Business : XXXX Chase Connect : Contact your client service representative Keep in mind : You won't be able to see your statements and notices until we unlock your account. '' I spent a full 3 HOURS waiting for someone at Chase to come on the phone. " XXXX '' told me that this was a RANDOM verification that Chase was making. XXXX  then asked me what number he and I could call at XXXX XXXX, to verify I owned the " from '' account. Fortunately, XXXX came on the bank in just a few minutes, unlike Chase which took 3 HOURS. XXXX verified I was the owner. 

Here is the issue : IF CHASE IS GOING TO RANDOMLY VERIFY ACCOUNTS TRANSFER, AND LOCK BANK ACCOUNTS, THEN THEY NEED TO ADEQUATELY STAFF THEIR CALL CENTER. It is absurd and horrific customer service to randomly lock me out of my bank account, and for me to have to take 3 hours out of my work day to get my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian sent me an email XX/XX/2021, stating that my email address had changed. I responded when I could in XXXX XXXX  stating that I was locked out of my account and had not changed my email address. Many emails later have been ignored by Experian, which apparently has no functional live customer service department. 

I believe my account has been subjected to identity theft and can not reach the credit reporting agency to address this concern.

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 2021-10-02 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: NJ

Complaint narrative:
A XXXX CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''

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 2021-10-02 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:
I am XXXX XXXX, and I am disputing Equifax inaccurate reporting. 
Equifax, how was an investigative consumer report conducted for the following : XXXX XXXX XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Equifax has violated the above referenced laws. Equifax has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

Was it verified according to 15 usc1681a ( e )? No, it was not. You have violated all consumer laws stated above. I demand that you delete the referenced accounts below immediately. I am expecting that Equifax will be compliant and delete this unverifiable account. 
*Cited from Violation Notice sent to Equifax* *Violation Notice document attached* *Government issued id attached*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/XXXX I paid for a ticket for my mom to go to my aunts funeral when it was time for my mom to check in with XXXX XXXX they told my mother that they cancelled her flight do to her XX/XX/XXXX type and that I would have to contact my back to get the charged reversed so I did on XX/XX/XXXX on the chime app I submitted all documentation and they said that my dispute would be completed XX/XX/2021 at XXXX  that didnt happen so I contacted chime on XX/XX/XXXX through the app and got no response so I called them directly and they said yes its past the 90days for my dispute and they would have to escalate the problem and that I would hear back to them on XX/XX/XXXX and still no response so I called the same day and they said that I would have to wait til the next day which was now XX/XX/2021 and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

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 2021-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In my credit report there is one bankruptcy in XXXX and 3 accounts in XXXX that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In my credit report there is one bankruptcy  in XXXX and 3 accounts in XXXX that don't belong to me.

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 2021-10-02 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/21, my wallet was stolen from me and the person went to XXXX and attempted to use all my credit cards to purchase {$200.00} worth of stuff. The only card the person was able to use was my Barclays credit card. I contacted Barclays about this and they dismissed my case as valid purchase when it was clearly fraud as I have location receipts/emails from where I was that day and from my other credit companies notifying me that it might be a fraudulent transaction. 
I have consistently called them as they put the {$200.00} charge back on my account and additionally put another {$200.00} charge with the same transaction number. Each time I have talked to a representative, they each give me a different answer and told me it will take 2 months to resolve and that I must pay the minimum payment or else it will further ruin my credit score. I am currently facing financial hardships and this is furthering the financial strain for me as it is even damaging my credit score. It has been over 4 months now and they have not sent me an email or letter in the mail.

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 2021-10-02 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:
XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2021-10-02 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: FL

Complaint narrative:
XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CA

Complaint narrative:
Date : XX/XX/2021, Amounts : {$1900.00}, I was asked for {$1900.00} ( refundable secutity deposit ) to transfer a XXXX accout ( name : XXXX XXXX, email : XXXX ), This XXXX account is the person claiming to be the homeowner 's lawyer 's account, It's a fraud account, I have reported to FTC.

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 2021-10-02 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: FL

Complaint narrative:
Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2021-10-02 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:
XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2021-10-02 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: FL

Complaint narrative:
XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: GA

Complaint narrative:
My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,

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 2021-10-02 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: GA

Complaint narrative:
My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts.

The highest balance is different with {$1500.00} and {$550.00} being reported.

Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

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 2021-10-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

Company response to consumer: Closed with explanation