vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed this account due to inaccurate reporting multiple times with XXXX and Experian. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between XXXX and Experian. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.

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 2022-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was under influence of XXXX  for health issues after XXXX XXXX in XX/XX/2018 and was forced to sign on a car loan by my live in partner who bought a car on his own paycheck and put on refinance with my credit.

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 2022-07-19 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have asked XXXX serval time have filed many many disputes. How did they come to report multiple payments received on my account after XX/XX/XXXX when I closed the account without payment never contacted XXXX since to make a payment or made any arrangements to bring this account current. but yet XXXX has reported payments made on my account from XX/XX/XXXX when I closed account again without payment up until XX/XX/XXXX then after the account was charged off and sold on XX/XX/XXXX payment continued to be reported after charged off from XXXX XX/XX/XXXX!!! SO THAT WE ARE CLEAR I AM ASKING WHO GAVE CONSENT FOR THESE CHANGES TO HAPPEN ON MY ACCOUNT HOW DID THESE PAYMENT COME TO BE!!!!????? 


NEED I REMIND YOU WHEN XXXX REPORTED THESE PAYMENT IT ILLEGALLY CHANGED MY FIRST DAY OF DELINQUENCY WHEN THEY MADE THESE UNAUTHORIZED CHANGES TO MY ACCOUNT. I HAVE ALSO FILED WITH XXXX  TO HELP LOOK INTO THIS BECAUSE I HAVE NOT GOTTEN A STRAIGHT ANSEWR FROM XXXX TO WHERE THESE PAYMENT ARE COME FROM AGAIN I AM NOT ASKING WHO OWNS THE CURRENT DEBT ONLY REQUESTING HOW THESE PAYMENT INFOMATION BEING REPORTED BY XXXX. 


WHERE DID THIS PAYMENT COME FROM AFTER I CLOSED THE ACCOUNT WITHOUT PAYMENT ON XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}

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 2022-07-19 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: TX

Complaint narrative:
I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: CA

Complaint narrative:
XXXX Credit Report, XXXX CAPITAL ONE shows " Original Amount '' of this loan {$19.00}. What " Loan ''?? This is Fraud or Identity theft, Someone has opened or used my Identity to acquire this amount of transactions, have no knowledge of what an how this amount came about, It does not apply to me. I have never acquired a balance of {$19000.00}. I reported to Capital One in XXXX, with no help or explanation. If it is on this Credt Report then Capital One put it there, but refuse to help me. It becomes difficult for me, to keep disputing and then I quit, It seems when ever I dispute an account I always get negative responses, or cover-ups, Or they can't see it, or it's not shown, or it applies to me, I can never get a direct answer. It saids always report Idenity theft fraud, etc. Then when you do, there is never any direct help. Then it shows, put a freeze, Credit Lock, Fraud Alert on Credt Reports, I have a Credt Lock and a Freeze and Fraud Alerts on reports in XXXX approx-forward. I never receive an Alert.I don't remember when I put my first Locks/Freezes, Fraud alerts. I will try to download a copy of this report. See bottom of report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to sell an item on XXXX XXXX. The buyer wanted to use XXXX. Ive never had an issue with XXXX before. I got an alert that {$300.00} was sent to me but since it was a business transaction I needed to have a business account. So the buyer said he would send me another {$300.00} and this would upgrade my account so I can receive the funds. I would then send the {$300.00} back. I got an alert that the additional {$300.00} was sent. I logged into my account to XXXX  the {$300.00} back and my account was locked. I had to call customer service and was advised that they would make a note on the account that its fraud and then I had to answer multiple questions to get my account unlocked. By the time this was completed I logged in to cancel the transaction since this was fraudulent activity and the payment was already sent through even though they said they were going to mark it fraud. I then had to call back and get transferred to a different department to have them tell me that they can stop it if it hasnt already been sent on their end. Phone got disconnected. Then I called back and was transferred again to be told the money was already sent. There are no notes on the account at all and that there is nothing I can do. If I wouldnt have been locked out of my account and had to spend over 30 minutes on the phone to get it unlocked I would have been able to stop the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I COMPLAINED THAT I COULD NOT GET MY CONSUMER CREDIT REPORT. 

THE RESPONSE WAS " WE RECEIVED A COMPLAINT THAT YOUR CREDIT REPORT CONTAINED INNACURATE INFORMATION '' I DID NOT SUBMIT SUCH A COMPLAINT. 

" WE RESEARCHED THE CREDIT REPORT, AND IT WAS ACCURATE '' THE CFPB CLOSED THE COMPLAINT INDICATING THAT IT WAS RESOLVED. 

THIS GOVERNMENT AGENCY IS A XXXX AND SHOULD BE DEFUNDED AND CLOSED.

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 XXXX were deposited into my account from a fraudalent location later on a check deposited was returned 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 2022-07-19 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-07-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NY

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  ; - Account XXXX XXXX # XXXX - Account 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 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 2022-07-19 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: MD

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 Account # XXXX, XXXXXXXXXX****, 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 : Also states a consumer reporting agency can not furnish an 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 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC
State: PA

Complaint narrative:
n accordance With the fair credit reporting Act XXXX account # XXXX account name bridgecrest Has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called and cancelled my Citibank XXXX XXXX XXXX card which renews each XX/XX/XXXX. The representative said she would cancel the card immediately and asked if I would be interested in a similar no-annual-fee card. I agree to this proposal and the annual fee card was cancelled. A few days later I noticed that even though the card with the annual fee had been cancelled, there was now a fee of {$99.00} charged to the no fee card ( XXXX XXXX XXXX card ) I called to dispute this on XX/XX/XXXX and was told that Citibank would credit the {$99.00} fee within 5 business days. Today is the 10th business day and the fee remains on the account. I called Citibank again today, XX/XX/XXXX to ask why the fee was not credited as promised and was told it actually takes 1 or 2 credit cycles to gain this credit. This message is the opposite of what I was promised on XX/XX/XXXX. Delaying the credit by XXXX or XXXX credit cycles is unacceptable as it would require me to pay the fee even though it was cancelled in accordance with the terms of the agreement. I have little confidence that it will be credited in the future as Citibank has already broken their promise from 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 monetary relief
Consumer complaint received 2022-07-19 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/22 and XX/XX/22 both for lowes credit i did not apply for credit there lowes said nothing they can do

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 2022-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any outside influence

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 2022-07-19 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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, In accordance with the Fair Credit Reporting act 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.

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 2022-07-19 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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I became a victim of fraud in XXXX of XXXX. Fraudulent payments were made on my credit card which later bounced and resulted in unwarranted fees and interests. Barclays agreed to issue a new card and reverse the fees and interests but was never received. 

On XX/XX/2022, a fraudulent payment of {$1300.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, the payment was reversed and {$1.00} finance charge adjustment was made. 
On XX/XX/2022, a resubmit payment of {$1300.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, {$39.00} return payment was charged. 
On XX/XX/2022, a fraudulent payment of {$200.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a fraudulent payment of {$1100.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$200.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$1100.00} was made, again not by me, which later resulted in insufficient fund reversal. 

On XX/XX/2022, I discovered the issue and made a legitimate payment from my own account. 

On XX/XX/2022, I was charged {$7.00} FINANCE CHARGE

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 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed trying to sell something XXXX XXXX XXXX. I was told I need to upgrade to a business account and sent over {$200.00} to a scammer. This was through zelle and I called my bank and they said theres not much they can do.

Company response to consumer: Closed with explanation