vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We live in an age were corporations collect all types of data on their customers, and I believe that Chase is using this data to conduct financial discrimination. Chase bank is specifically discriminating against me by giving me less favorable interest rate terms because of protected class and my race. I have contacted Chase by phone multiple times regarding these unfavorable rates and their practices and no one is willing to help. 

I am a XXXXXXXX XXXX with a credit score above XXXX with all three credit bureaus and substantial monthly income. Chase has rewarded my achievements with their HIGHEST interest rate for the XXXX XXXX XXXX credit card. As a loyal United Airlines customer, the Chase Credit cards are my only option to build miles and status which is why Ive decided to make this complaint. 

Chases business practices of financial discrimination seems to be so systemic that they do anything to keep protected classes in financial debt. My Chase Credit Card interest rate current sits at 28.99 % and Chase refused my requests to reevaluate my account to reduce my interest rate. Instead without my consent, Chase thought it was wise to increase my credit limit by {$5000.00} at the same 28.99 % interest rate WITHOUT my consent. In addition, Chase applied my {$10000.00} XX/XX/2024 payments to the " Pay Over Time '' charges that have a 0 % interest rate instead of the charges on the account that have a 28.99 % interest rate. 

Chases practices are unfair and predatory and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2024 my California EDD benefits were load onto a Monet Network prepaid card, I attempted to transfer my {$580.00} to my external bank account. My bank account was verified and approved for transfers within my Money Network account. I checked my bank account on XX/XX/2024 expecting my funds to be available as they have been the previous two times. I realized I was locked out of my account with Money Network and was prompted to call customer service for Money Network, I was informed that suspicious active had occurred and they are closing my account, XXXX was the operator assisting me. I asked what kind of suspicious active, the operator said she didn't have access to that information. I asked to speak with the fraud department and was told I could not. I asked to speak with a supervisor and was placed on a 20 min hold then hung up on. I called back didn't get that operators name, it was a man, I was told I would receive a check in 14 days. This situation has put a financial strain on me and my living situation. Edd informed me that I had to file a complaint with Money Network since the funds was already transferred to their company. As I type this complaint I've been on hold with Money Network for 45mins. I need my money with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was XXXX  on XXXX XXXX & entered the federal bureau of Prisons. I was XXXX on XXXX upon my XXXX I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX. I received an email from a PayPal stating that they are going to withdrawal {$490.00} from my account. I dont use PayPal and I had clicked a link through my email. They resumed to have me download an app called XXXX XXXX XXXX. They somehow knew I had a XXXX account and made some transactions of {$1.00} and {$1.00} to see if it would go through and it got credited back. I fell for this scam and didnt realize it. I deleted the app now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
Between XX/XX/XXXX - XX/XX/XXXX a collection agency named L J ROSS ASSOCIATES added a collection account to my credit report I was never notified by mail by this company at all just appeared on my credit report randomly .... 

XX/XX/XXXX I wrote a letter requesting the following info from L J ROSS ASSOCIATES : " 1 ) Complete payment history, the requirement which has been established by Spears v. Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509.Please provide the verification by line item ( with an explanation of each Item, such as when the purchase took place, how much the item was, were the goods received, when the goods were received, etc. ) for the entire amount you claim I owe, obtained directly from the Original Creditor. 
2 ) Date of Last Activity 3 ) My FULL, COMPLETE, and CORRECT social security number that may help identify me as the correct person you are trying to collect from.

4 ) Agreement that bears the signature of the alleged debtor, wherein that person agreed to pay the original creditor.

5 ) The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6 ) Proof of photo identification ( i.e., driver & # XXXX ; s license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
7 ) Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002, WL 32173704 ( D.Conn, Oct 29, 2002 ) - information relating to the purchase of bad debt is not proprietary or burdensome. Debtor must phrase clearly to obtain : The source of debt and the amount the bad debt buyer paid for plaintiff & # XXXX ; s debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect debt. 
8 ) Proof that this debt has not been written off as a tax liability.

9 ) Any other intimate knowledge of the creation of the debt by you, the collection agency. '' Never received a response therefore I sent a letter XX/XX/XXXX stating " As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. '' No response and it is still reporting on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

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 2024-06-10 00:00:00
Product: Credit reporting 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX, XXXX XXXX - XXXX "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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:
I am writing to request your assistance in blocking fraudulent accounts that have appeared on my credit report as a result of identity theft. I was unaware of this activity and do not know who is responsible. I have not received any services, goods, or money due to this theft. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC
State: MI

Complaint narrative:
I did not authorize this credit check therefore it is fraudulent

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 2024-06-10 00:00:00
Product: Credit reporting 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:
XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> around XXXX someone from the Wells Fargo Account/Fraud phoned me and told me that they saw possible fraud on my debit card. The number that they used was already in my Contacts as they called the week before saying there was fraud on my Wells Fargo Visa Signature card and they sent me a new card. On XX/XX/year> I believe someone at Wells Fargo hacked my checking and savings account and put everything into the checking account. They then took cash advances on the two WF visa cards and also put that money into my checking. They eventually sent all my money through XXXX XXXX ( which only had the debit card tied to it ) and stole my money. Wells Fargo says they show no signs of fraud, which I think they are lying as this had to be internal. How would a hacker get access to ALL FOUR accounts? They kept passing it off that it was through XXXX XXXX, but as stated XXXX XXXX did NOT have my credit cards or savings attached to it. They refused to help me or correct this by putting my money back on my accounts.

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 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Unauthorized charge on my credit there fore is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
The Names reported below are a violati my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX THIS IS NOT MY NAME AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-10 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i purchased XXXX shoes and XXXX  book bag from XXXX on XX/XX/XXXX and realized that they were counterfeit items. 


after realizing that the items were counterfeit i tried to cancel my order but they didn't allow me to and still charged my credit card without my permission. So when got them on XX/XX/XXXX i returned them back using the shipping label provided ( XXXX XXXX ) on XX/XX/XXXX and they delivered XX/XX/year> the tracking number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, First National Collection Bureau , Inc. contacted me via text message to try and collect payment regarding a debt I never had. The screenshots are attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting 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: NE

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

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