vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: TX

Complaint narrative:
I HAVE INFORMED EXPERIAN SEVERAL TIMES THIS XXXX XXXX ACCOUNT LATE PAYMENT IS NOT CORRECT THEY ARE THE ONLY COMPANY REPORTING THIS AS A LATE PAYMENT. XXXX XXXX AND XXXX HAVE FIXED THIS ISSUE AND EXPERIAN HAS NOT REMOVED THIS ISSUE, ON TOP OF THAT IT WAS A PAYMENT FROM XX/XX/2016 WHICH IS OLD AND IS NOT SUPPOSED TO BE STILL REPORTED AS A LATE PAYMENT. THIS IS WHAT I MEAN ABOUT THESE CREDIT REPORTING AGENCIES 90 % OF THE INFORMATION THEY REPORT ON YOUR CREDIT PROFILE IS INACCURATE. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX THESE ACCOUNTS WERE NEVER LATE ON PAYMENTS.

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 2022-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: TX

Complaint narrative:
Commercial Acceptance continues to report a debt to the credit bureaus which is not my debt, greatly affecting my reputation and credit score. 

The date the collection opened was XX/XX/XXXX and the debt is in the amount of {$980.00}. The Original creditor is XXXX XXXX XXXX. 

This debt was proven not to be mine and removed by all 3 bureaus in XX/XX/XXXX. 

Commercial Acceptance continues to report it and the debt has now re-appeared on my XXXX report as of XX/XX/XXXX. 

I contacted the original creditor and was presented with information which proves this is not my debt. This all was forward to the bureaus as well as Commercial Acceptance with the demand that they cease reporting a debt which is not mine. 

The name with the Original creditor on said debt is not my name. 
The social security number on said debt with the original creditor is not my social security number. 
I did not receive an ambulance ride in XXXX NY in XXXX of XXXX. 

This is not my debt, yet Commercial Acceptance continues to report this debt to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
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 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 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used to have chase before this since 2018 they closed my account with no reason so I try to open an account with chase bank a week ago they open the account but when I was trying to login into my online banking they said I wont be able to have an account with them cause the bank dont want to have a relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Block, Inc.
State: LA

Complaint narrative:
I will be filing a lawsuit. I been contacted the corporate office and I get the receiving end of the phone hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: TX

Complaint narrative:
I previously filed several complaints with CFPB for other issues with XXXX, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and XXXX attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating XXXX attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time XXXX continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however XXXX is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand XXXX. XXXX has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
XXXX need to be XXXX  just as XXXX XXXX was recently : ) Thank you for your time.

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 2022-11-20 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:
The Credit bureaus 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 reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Have violated  my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

15USC 1681 Section 602 states I have the right to privacy.

15USC 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 2022-11-20 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:
To Equifax XX/XX/XXXX Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX I deny account, account not mines Account number XXXX Equifax has failed to provide me full account number, please provide me with full account number for account XXXX Equifax, failed to provide documentation in writing, for account XXXX XXXX requesting investigation documentation for account XXXX I am not responsible for account In addition error payment balance incorrect, because I DID NOT MADE ANY PAYMENT ACCOUNT IS NOT MINES Find enclose report XXXX I reported account ID Theft, find attached report Please delete account immediately account inaccurate Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XX/XX/2022 while browsing the Home Depot website and checking out I was prompted to apply for a Home Depot Credit Card and promised that {$25.00} of my purchase would be covered as a promo. I made a purchase for just over {$28.00} meaning my total cost would be under {$4.00} with the promo applied. I was approved for the credit card and made my purchase but on checking my balance the promo was never applied and customer service says it will take up to three billing cycles before a manual credit they are applying will take effect this of course is not what was advertised at all and I believe that this bait and switch offer where Im not paying the full amount upfront is in violation of the law.

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 2022-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My calendar didnt send a reminder, so my payment was late ( it has been paid now ). 

They called yesterday ( XX/XX/XXXX ) from number XXXX at the following times : XXXX XXXX XXXX XXXX They called today ( XX/XX/XXXX ) from number XXXX ( and a blocked number 2 times in between at the following times : XXXX XXXX XXXX XXXX ( blocked ID ) XXXX XXXX ( blocked ID ) XXXX This is harassment. Is there a contact for a lawyer also?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
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 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # 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 XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX and 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 an 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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: WI

Complaint narrative:
I have concerns about XXXX XXXX  ownership in cold storage and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes. 
I can not withdrawal funds owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: AL

Complaint narrative:
Equifax has violated my consumer rights Ive made several complaints about it Ive called Ive mailed letters I have unauthorized inquiries on my credit report that needs to be removed immediately! 

Here is a list of them here 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Bank has no way to delete XXXX recipients on it's website. 
It doesn't exist at this point in time apparently. I can create them but can't delete them if they are incorrect or no longer used. 
Also it's 'bucket system ' doesn't work. Transfer into Ally Buckets doesn't work at all. 

Customer Support takes 25 minutes or more. I just want to talk to someone period. Companies should be required to respond with in a 5 minute time period. Chat is no better. I tried both chat and was on hold for at least 20 minutes this morning!!! 

Chat was as follows : What do you need help with today? 
Checking, Savings or CD Read You - XXXXXXXX XXXX You're connected with Ally Assist, our XXXX XXXX 
XXXX- XXXXXXXX XXXX Hi. How can I help? 
Ally Assist - XXXXXXXX XXXX Why can't I delete XXXX XXXX!!!!! XXXX XXXX - XXXXXXXX XXXX Sounds like you need help with XXXX. Which of these do you want to do? 
Ally Assist - XXXXXXXX XXXX Something else Read You - XXXXXXXX XXXX I'll pass the chat to an associate who can help you more. 
Ally Assist - XXXXXXXX XXXX Our team is swamped it may take an hour or longer for an associate to connect. 
XXXX- XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are hard inquiries on my account that are reflecting inaccurately. 

XXXX XXXX ( Finance ) XX/XX/2XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: NC

Complaint narrative:
We purchased a home over a year ago, XX/XX/XXXX, using a conventional XXXX fixed rate loan, 20 % down payment. We paid our home insurance for the year at closing, {$790.00}. In XX/XX/XXXX, the mortgage firm sent a letter " You need wind insurance and we will take that insurance out and just bill you ''. However, when taking the mortgage out, they never said or required wind insurance. One year later, they now want to force us to over-insure our house when they should have been upfront on insurance requirement during the underwriting process. 

The problem for us is our home insurance will go from {$790.00} to {$3300.00}. That is way too much and again, not required at the time we obtained the mortgage. I have called the mortgage firm 2x yet no one returns my calls. How is this permissible? 

During the short one year of my mortgage, I think the mortgage was sold two times to different firms so I am not sure if that triggered something but regardless, we followed all the underwriting requirements at the mortgage 's inception. If they made a mistake, shouldn't they pay for the additional home insurance wind portion? The house is insured otherwise as required at the time of mortgage inception. Thank you.

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 2022-11-20 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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