vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I just found out that XXXX had a breach in XX/XX/2022 of all their about and when I went on my credit report it stated I have been breached and in the dark web and I noticed so far one account opened in my name with a balance of XXXX dollars I didnt open also there must be more because in a week my credit score went down XXXX points that is a lot of points for one week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

BCM FCU 513040012002**** 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-04-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Account # # # # # XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a hard inquiry alert stating Bank of America made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at Bank of America

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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
This is the 2cd issue I've had with a large amount of my funds being stolen. The first time I filed a dispute and was declined. I filed a rebuttal and it was declined as well. I then filled a complaint and nothing happens. {$7400.00} are still missing from XXXX. Now this incident occured XX/XX/XXXX through XXXX of XXXX. I filed a dispute and it was declined. I proceeded to file a rebuttal and all the sudden the company closed my accounts stating I breeched agreements in which I did not. I filed identity theft 2 times with FTC. When I sent a copy of my report to chime is when they closed my account. I have asked in XXXX for documentation as to why they declined my rebuttal and I did not receive nothing. This time XXXX of XXXX I asked for documentation as to why they declined my rebuttal as well as documentation of what agreement I broke for them to all the sudden close my accounts after banking with them for 8 years. I had an active checking savings and credit card and they closed all 3 stating I did something. They have stolen over XXXX and won't give me documentation so I can pursue legal action. I asked them to freeze my account during these times my money was being used without my permission. They did not freeze my accounts. Now I'm facing hardship due to this large amount I'd my money taken each time. Still to this day I have received no reasonable explanation or was I provided documents I requested. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
The following account, with the XXXX was opened on the date of XX/XX/2017 without my knowledge and added to my credit report for the amount of {$7900.00} dollars. This is considered a fraud and additionally is a violation of my rights as a consumer. Furthermore, this company never validated the account with any supporting evidence as required under 15 usc ****g I demand this account to be taken off as soon as possible from all the credit reporting agencies including XXXX XXXX XXXX and XXXX XXXX I also demand {$1000.00} per occurrence for this violation. National Credit Systems is holding me liable for a debt that has been paid and full. My debt was not with National Credit Systems it was originally with XXXX XXXX. National Credit Systems also advised me that once the account is paid in full it would be removed from my credit report. National Credit Systems also increased the original amount from XXXX XXXX. I want this cleared off my credit immediately as it has been paid, as promised in the letter. I want the agency to forward this paid in full and a clearance letter to XXXX XXXX as well, so the debit is cleared. I want my money back and this information removed from my credit report. In the form of certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I went to American Express website to extend credit to myself through their services and they have discriminated against me under the Equal Credit Opportunity Act. They are denying me my right to credit per the Truth In Lending Act 15 USC 1602 ( l ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I made a one time payment to cover XXXX XXXX and XXXX. Well because my payment had gone up because of escrow I did not have enough to cover all 3 months. Icalled them on XX/XX/XXXX and spoke with someone to pay the difference. They had put the extra amount in escrow. I asked him to reverse the payment and I paid the difference of {$96.00} and some change on XX/XX/XXXX. He told me it would take up to 2 weeks. I said okay I will check back then. When i called back on XX/XX/XXXX the payment still wasn't reversed. I was placed in a forbearance because of covid and they maid the forbearance start from XX/XX/XXXX. Now they are saying that I am late on the forebearance for XXXX. They were suppose tp reverse the XXXX dollars and take the XXXX dollars and make my XXXX payment. They did not do that. I need them to fix it now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2022 I applied for a Chase Saphire XXXX Credit Card. There was some problem on the application and I had to call them on XX/XX/XXXX, but that day they approved my application over the phone. Before I received the card, I noticed that Chase was advertising a higher initial offer on the credit card than what they had agreed to give me, offering XXXX reward points instead of the XXXX they had offered me. So I immediately called and asked if I should be getting the XXXX. The customer service representative said she would file my request to get the XXXX and I would get a response within a few days via email. When I didn't get a response at all, I called again today to ask whether I should still be expecting it. I was told by a different customer representative that I would be receiving a letter via hard copy in the mail that would have me send in proof of the offer for XXXX and then I could return that proof to be evaluated for giving me the offer. Because the offer of XXXX is on the Chase website, I wrote customer service an email using their own internal system explaining the situation and sending them a pdf of their own website offer. I received a curt response saying that I was not eligible for the public offer and would only receive the original offer. I have gotten the " run around '' by chase customer service and received three different responses to my inquiries about their confusing and misleading advertisements. Because these business practices seem questionable, I have not yet used the new credit card and am considering just canceling and not engaging with them further, but allowing this type of anti-consumer behavior of engaging in defacto " bait and switch '' schemes on credit card offers seems likely to cause other consumers significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
15 : USC:1681 section 602, states I have the right to privacy 15 : USC:1681 section 604 A section 2.it also states a consumer reporting agency can not furnish a account without written instruction. 
15 : USC:1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MI

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureau about inaccuracies on my credit report. I have yet to receive a response after more than 30 days. I feel as if I'm being taken advantage of and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to examine these matters within 30 days gives a basis to remove those items from my credit report immediately ; it has been 30 days without a response, and they should be erased as soon as possible. I demand that these accounts be deleted immediately, or I will initiate a lawsuit to compensate me for the stress you have caused me. In addition, the XXXX data breach exposed my personal information, which may have ended up in the hands of the wrong person.

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 2022-04-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-04-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-04-29 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting an account to my credit report ... .Everytime I dispute they verify it as a verified account.Its a fraudulent account.Its identity theft.Its not my account.I never had this card.I have been complainianng and they keep verifying the account.It is not my account.I want this account deleted from all of the consumer credit agencies.I can supply this agency and the company/bank with the police report the OCC and FTC XXXX 

I have contacted the federal court house in my city/state.So I can prepare myself for filing a federal lawsuit.I filed the complaints with the FTC, OCC and the police report.So I can create a paper trail for court. 

This is a violation of FCRA ... XXXX XXXX XXXX is reporting incorrect inaccurate and untruthful information on my credit reports ... .This account is not mines... 

I want a copy of the original credit card application, the statements for the history of the account.I am requesting this ... .XXXX XXXX XXXX can either supply it to me now or supply it to me through a federal subpeona.Once the Lawsuit is filed in Federal Court . 

Everytime you update the account its on the credit report ... So if i have too... I will file a lawsuit ... .Its only {$400.00} and you will have to come to court... .Then you will have to explain why you didnt follow through and investigate the account ... After letting you it was a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MD

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 which 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, I opened up the account with XXXX XXXX as I wanted to switch over from XXXX 

On XXXX XXXX I went back to XXXX stall inside XXXX where I originally bought the service and phone, and I returned everything to them and had receipts given to me I was told everything is done and taken care of until I pulled up my report on XXXX XXXX and found out that it is still reporting as negative on account with balance of XXXX XXXX 

I spoke to XXXX and submitted my receipts as proof of return and they removed some amount from the {$1600.00} and left {$180.00} on account saying I need to pay this as this is out of return period. I explained them it wasnt my fault as I didnt return the equipment and didnt use your service for a single day so why should I pay for it. 

To which they are denying to remove this charge and negative remarks from my report and I need to buy house and this is creating the issue for me I need help in getting this resolved as I am Not at fault Any help will be appreciated

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 2022-04-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
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 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 non-monetary relief