vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2022, Citi bank decided to close 4 of my credit cards accounts. Citi XXXX card ending with XXXX, with a credit limit of {$74000.00} and Citi XXXX preferred card ending with XXXX with a limit of {$25000.00}. My Best buy Credit card with a limit of {$38000.00} and Macy Card with a limit of {$15000.00} Approximately. I have been with Citi bank on average of 7 years. I Haven't committed any fraud or had issues pertaining to fraud with Citi bank. I have always paid my bills on time as expected and have never had any type of issues with Citi Bank whatsoever. Why my account was closed is still a sad mystery to me and I did try to reach out to Citi bank to ask why my account was closed after years of many scarifies and struggling to build a solid credit history and foundation. I called at different occasions ; nobody was willing to give me a reason why my accounts were closed, because am quite sure they had none. After weeks of relentless efforts, I got through to someone who told me to write a letter to find out why my account was closed. I wrote a letter asking why my account were closed, only to receive a letter that was vague and had no specifics. This is a big slap on my face, you are told to do everything right, and only to receive this type of slap in the face for doing the right things. This is tyranny. I don't know who else to turn to for help. They haven't given any specific reasons, and there is no just cause for taking adverse action against me, and I feel discriminated against. Under the Equal Opportunity Credit Act, a bank can't discriminate against you based on race, color, religion, nationality, gender, age, or good faith exercise of any rights. Their actions obviously are very discriminating to me, because the bank is very quick to give reasons in their letters while certain actions are taken. In a case where the bank writes a letter and can't give you specifics, or specific reasons why certain actions are taken, it's obvious this is discriminatory action taken against me. To make matters worse, I do not even know if a can open a new credit card with Citi bank, if after how many years of relentless efforts from me and they discriminate against me, how can I guarantee that this same type of discrimination wouldn't happen again 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 2022-11-09 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have three hard Inquiries relating to JPMCB Card. Two of those inquiries were placed in the same month XX/XX/2021, and XX/XX/XXXX, XXXX do not request any credit from JPMCB at these times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat ant on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/197XXXX 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 2022-11-09 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I disputed a claim from XXXX for the amount of {$42.00} at chase bank. The company only sent 1 of the 2 items in my order and they sent me the wrong size/not to spec item that did not fit my knife. The item is a ball bearing and I am missing one set which I paid for out of the 2 I ordered. I talked to Chase claims in around XX/XX/2022 and opened a case for the incomplete order and wrong/not to spec part. The part they sent me is slightly larger in diameter. I sent in photos and the invoice for my order to prove the item is incorrect and the invoice to show I ordered 2 items. Chase denied my claim, they did not look at the evidence I sent and refused to reopen my claim. They state the seller showed some kind of proof, but I showed them exactly through the picture of the item, that it was completely the wrong size and showed the purchase amount for a set of 2 of the bearings through the invoice. I tried to work with the seller, all I wanted was a refund or the correct item sent to me but they denied me. I also got blocked by the seller and can not access their website to pull up information on the bearing they sent. They probably know that their part does not fit or they sent me the wrong part and do not want to refund or replace the item. Chase did not provide any evidence of the seller being correct, and would not help me at all with my claim. The seller pretty much stole {$42.00} from me and chase let that go. I am trying to get my money back, and shine light to Chase claims departments incompetence and unprofessionalism. They had no right to deny my claim, they did not even look at my evidence I sent in it seems. I am fully in my right to get my money back as the seller denied me refund just after a couple days of receiving the item. It was in their return policy to be able to return the item in an appropriate time, but they flat out denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith & Smith Investors LTD
State: SD

Complaint narrative:
I contacted this company on XX/XX/2022 through the XXXX and asked them not to contact and that they are violating several of my consumer rights. This company continues to contact via correspondence as recent as XX/XX/2022 and phone calls. See attached Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I asked In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX XXXX 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 explanation
Consumer complaint received 2022-11-09 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: CA

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



Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, TRANSUNION, XXXX written permission to furnish these accounts listed below XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX  The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX  The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX  The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX  The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : 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 2022-11-09 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: CA

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



Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

13. The following account is not mine XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: ID

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX acct. # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX A. 
XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: ID

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX services acct. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX acct. # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. 
States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Transunion had the wrong date of birth on my profile. My correct dob is XX/XX/1978 not sure why you all are reporting incorrect dob.. never had a problem to recent .please make sure my dob is reporting as XX/XX/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 2022-11-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX is required to authenticate these accounts under 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 explanation