vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had repeatedly contact Home Depot in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. Home Depot then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company XXXX XXXX I, XXXX never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now XXXX is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that XXXX  has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with XXXX and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : 1. Copy of the original contract with my signature of the debt, 2. Full payment history from the original debtor in this case Home Depot 3. Name and address of the Original debtor 4. Proof that they own or have been assigned the debt to collect. Also I think the account is more than 4 years old? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had repeatedly contact CHASE in reference to inaccuracies and unauthorized charges found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. CHASE then placed the account Into collection/delinquency status. CHASE refuses to attempt to contact me or attempt any type of communication in order to come to an agreement in settling the debt. How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that CHASE has intentionally avoided my communication efforts into settling the account. On or about XX/XX/2022, I made contact with CHASE and they refused to provide any affordable payment plan that can have a positive outcome in my favor. 
I have been unable to find any other type of information in order to settle the account. I have not refuse to pay the debt I just need help in verifying the information at the bottom in order to make an affordable payment plan. 

As you will see CHASE has not been able to can see they alleged to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX  XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
This is the second time I report the same problem as I had no answer from the bank. 
I like to transfer US dollars from my account in Bank of America in XXXX  to my account ( in US dollars ) in XXXX Bank XXXX XXXXXXXX. I like to do the transfer in US dollars, The bank don't allowed me to do it, only in Euros and the rate of change they offer me is much higher that the one I get here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CBC Companies, Inc.
State: MN

Complaint narrative:
The following accounts listed on my Innovis Consumer Report is fraudulent and not my accounts : XXXX XXXX Bank  : XXXX, XXXX XXXX Bank XXXX : XXXX and XXXX XXXX XXXX : XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX Bank, XXXX XXXX Bank XXXX or XXXX XXXX Banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On several occasions wells Fargo has charged me overdraft fees for transportation that should have cleared but they said on XXXX occasion that I over spent and when the merchant processed the payment I had spent the money or with drew it before the transaction cleared. Also, they've charged me for money that appeared in my account unbeknown to me so I'm thinking I may have received a deposit but they put it there just to charge me overdraft fees.

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 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
hello I am writing prayin that you can do something about the ill manor in wich XXXX and experian are handeling an identity theft/fraud submission to them.The very same files that they are sayin were returned as accurate were deleted off of XXXX.What good does it do to file a police report and follow the outlined procedure where what is happening here was happening with the online disputes.I asked both bureaus to block the files while the investigation was on going as it wojuld not stay killing my score advising them of section 605b of the fcra and that is was my right instead of being helped i was greeted with attitude and no action.I haved tried to explain to them both that included in the police report were the names of gthe 2 perpertrators or at least thats who im sure of, and it is my mother and sister, and that of course if you ask these companies if the account is accurate they are going to say yes 1.they want to be paid 2.they do have XXXX XXXX information but the entire reason for the police report was a sworn statement punishable by jail where i stated it was not me they got the information from .They recieved it from people living in my house and its rather embarracing to have to keep going over the fact that my mother and sister have stolen from me like this i feel i am being made a joke all the while doing absoluly nothing i am including the accounts in question in pictures so that you may see the damage they are idley letting happen to my credit score daily I HAVE BEEN GOING ROUND AND ROUND FOR MONTHS I DID WHAT WAS ASKED OF ME SWORE A STATEMENT SAID I WOULD AIDE IN THE PROSECUTION OF THE PERPETRATORS, THEY TREAT ME TERRIBLE AND I FEEL LIKE IM BEING LAUGHED AT BY THEM FOR WHATS IS HAPPENED WHAT MORE DO THESE PEOPLE WANT FROM ME IF IT WAS THEM IN MY SHOES THEY WOULD UNDERSTAND THAT BEING WHO IT WAS WHO DID IT AND WHERE THERE WERE LIVING THE COMPANY JUST SAYING YES THE ACCOUNT IS GOOD DOES NOT HOLD WATER BECAUSE IM SURE THEY HAVE MY INFO THEY THOUGHT THERE WERE ISSUING CREDIT TO ME BUT KINDLY THEY WERE NOT I AM NOT THE FRAUDSTER PLEASE ENFORCE THIS AND HAVE THESE FILE DELETED PLEASE **********PLEASE LOOK AT THE PICTURES AND LOOK AT THE THAT IS BEING DONE THEY SHOULD HAVE TO CORRECT MY SCORE THIS HAS GONE ON 2 LONG WITH ME EXCLAIMING THAT I AM NOT THE FRAUDSTER, MY NEXT RECOUSE WOULD BE THAT I WILL HAVE TO SUE THEM FOR THE DAMAGE THEY HAVE AND ARE CURRENTLY DOINGITS MALICIOUS AT BEST AND BORDERLINE CRIMINAL

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 2022-08-17 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: AZ

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-17 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: ID Analytics, Inc.
State: MN

Complaint narrative:
The following accounts listed on my XXXX XXXX Report is fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. CREDIT BUREAUS records show that it was incorrect. Since the investigation was done improperly, I need this to CORRECT of the listed account from my file pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) XXXX XXXX Balance Owed : {$950.00} Please confirm the information shown in this account is 100 % accurate or FIX this account information from my credit report because I believe it may be erroneous.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. CREDIT BUREAUS records show that it was incorrect. Since the investigation was done improperly, I need this to CORRECT of the listed account from my file pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) XXXX XXXX Balance Owed : {$950.00} Please confirm the information shown in this account is 100 % accurate or FIX this account information from my credit report because I believe it may be erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: DC

Complaint narrative:
lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: AZ

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
2 months ago, I had unfortunately fallen for a loan scammer, who I ended up giving my bank login info in return for false promises. Bank of America recognized that it was a scam, and shut down my account and froze all my funds. I was told that my account won't be completely closed until XX/XX/XXXX. The false claims the scammer placed on my account, along with the scammer attempting to place fake checks in my account and everything else that needed to be taken care of was already cleared during the month of XXXX. So they would have no reason to not release my funds to me. However, yesterday I found out that for some reason they pushed back my account closure date to XX/XX/XXXX ( today ). I called today to make sure it was completely closed, however customer service said they pushed it 2 more days to XX/XX/XXXX ( this Thursday ), because of " account activity '' regarding someone unsuccessfully attempting to take funds out of my account. Luckily, the scammer wasn't able to take any funds for me. However, it's not fair that I am being treated like I'm the scammer.I would like my account to be completely closed, so that they can send my remaining funds via paper check in the mail. I have waited 2 months for my funds to be released. There should be no reason for them to remain holding my funds to me. This whole situation has impacted me emotionally, and has caused tremendous stress and XXXX on my life financially

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 2022-08-17 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: CT

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXXt appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/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 2022-08-17 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: CT

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX.It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Theres currently no bankruptcy record reporting on my XXXX XXXX Consumer Report, but theres a public record of bankruptcy XXXX  XXXX-discharged reporting on my XXXX XXXX XXXX Experian, and XXXX credit report. XXXX XXXX report public records and bankruptcies to XXXX XXXX, Experian, and XXXX credit bureau.

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 2022-08-17 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: AZ

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$3100.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation