vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Dear cfbp team, I got scammed and someone took {$17000.00} from my bank account via ACH transfer from my chase business bank account. When I take a look at my bank account the amount disappeared from my bank account. I have been open a dispute with my bank account they said it's gon na take 15 days to investigate. Its been more than 15 days and did not hear from them, but I call them to check the status of my dispute and they said that their investigation rejected the dispute. However, now my account is overdraft {$2100.00} and want my money back so I can utilize my money. 
However, I save my money for my son to go to school. Now, this happens and my business chase bank denied the dispute. I want cfpb team to review my case and take action to get my money back. I am really depressed and do not know what to do. I am XXXX XXXX XXXX. 
Business name : XXXX XXXXXXXX XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
On XX/XX/XXXX I disputed a charge of {$450.00} on my card via Comenity Bank 's online secured system. The charge was posted on XX/XX/XXXX. I advised Comenity Bank that I had requested the company that placed the charge on XXXX. XXXX, and XX/XX/XXXX to remove the equipment they installed on XX/XX/XXXX. The company, XXXX XXXX, didn't respond or pick up the equipment. 

I was told by Comenity Bank that I needed to mail a letter to them on the address on the back of my statement. On XX/XX/XXXX, I sent them a letter with the details. The technician showed up XXXX  hours late and installed the equipment in the wrong location. The cameras picked up about 30 % of what my Ring cameras picked up and I asked on several occasions for them to be removed. 

When I called Comenity Bank to confirm receipt of my letter, I was told it would take XXXX  days to investigate. I confirmed this company would not be allowed to charge my card. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the same company charged my card for {$64.00}. I called Comenity on XX/XX/XXXX and XXXX and was told to dispute the charges online. When I called this last time threatening to report Comenity Bank to CFPB, I was told how to freeze my card from recurring charges but they claim to still not have any information about crediting my account. They never offered this information before. I have copies of all emails to both Comenity Bank and XXXX XXXX. They are all fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The original debt was from an old Capital One Credit Card Account. XXXX XXXX XXXX XXXX was not the original credit card company nor were they represented as a collections agent for Capital One, even though they say they are. Capital One confirmed that XXXX XXXX management is not the debt collector on this account. XXXX XXXX purchased this debt from Capital one and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for Capital One, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed Capital One. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
XXXX XXXX XXXX insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX XXXX XXXX Department to serve me paperwork stating that I need to list all my assets that the XXXX XXXX Department would confiscate and surrender to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/2023 around XXXXXXXX XXXX XXXX Time, Paypal Inc. permanently limited my account with the violation against their terms and condition. I already emailed them to review my account as I did not use paypal on illegal services/activities but as of the time now my account is still limited and can not make transaction. Still can not withdraw funds and make transaction online. Could you please email paypal - XXXX to review and restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I reached out to Santander consumer USA to fix some false late reporting of my car payment. They have reported to the XXXX XXXX  and XXXX XXXX that I made five 30 day late payments this is not correct. The vehicle was paid off early. 3 years earlier that it was supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Yesterday XXXX/XXXX/23 I spent over 5 hours on the phone dealing with Bloomingdales Amex customer service trying to get a credit limit increase to {$18000.00} for a purchase of a Diamond bracelet online. I was sent in circles I was argued with I was hung up on and I was given a disgusting attitude especially by supervisor XXXX. Not only has BLOOMINGDALES refused to assist with my credit limit increase none of the agents asked me for my account password except 1 person. I strictly asked for an account password be placed because for some reason your stupid system doesnt want to process a OTP using my phone number. Your computer system is so stupid. One month it lets me use my number for OTP the next month it doesnt. Ive had the same cellphone number for XXXX years. No other banks have this problem but YOU! The fact you failed to use my password which is to supersede the OTP XXXX me off to no end. Im furious. Then when I asked to talk to fraud to get answer why it wasnt being done the agent seemed to not want to be present. I asked her what her problem was she said nothing I told her she seemed out of it and she said yeah well Im tired. How unprofessional? Who is running this company?? I expect this service from XXXX XXXX but Bloomingdales? Im disgusted.

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 2023-02-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with Citi in arbitration over the matter. Despite this, Citi has reported my account as delinquent.

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 2023-02-16 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
i have reached out to this company 6 times by mail and i have not gotten a response i have debt validations letters and also cease letters, i have not gotte any responses back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and tighten up my responsibilities. However, I noticed that there were some inaccuracies on the information that I requested. I have noticed that there are Three different companies ( National Credit Systems, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) attempting to collect this debt. Also as shown in the pictures, there are inaccurate amounts being reported from these companies. I have read about the Fair Credit Reporting Act, and according to it, by law I have the right to challenge anything is not accurate. Are you familiar with the 15 U.S.C. 1681? I understand that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted seeing that they are not 100 % accurate. So, could you please check on this account and get back with me? I saw on a Credit Site and Board where a lawyer said you have 30 days to complete the investigation. Please investigate the following accounts and remove them immediately in the act that anything is missing or not correct. 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 : States a consumer reporting agency can not furnish an account without my permission. It is also against the law for creditors to increase the amount of a debt. This account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.

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 2023-02-16 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: VA

Complaint narrative:
Experian credit reporting has been complicit with allowing XXXX XXXX XXXX XXXX to incorrectly report information on my credit report. I have sent a debt validation to the company within the 30 day period of them sending their collection to the incorrect address on file. They have yet to respond to the debt validation and they have inaccurately reported information on my credit report multiple times.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} TXXXX XXXX XXXX Balance : {$12.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX, NC 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 2023-02-16 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: NC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Santander Consumer Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
I have made all the necessary steps to have my consumer report reviewed and get the accounts deleted because of inaccurate amounts, no investigations, and no deletions. The only thing thing they did was vertify this information and i did not give any written approval of putting my information on my credit report. There is a need to insure the consumer reporting agency 's exercise theri grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Any other adverse items are not to be written on my credit report. They have reported inaccurate information. I have written to them 3 times to conduct an investigations and they did not follow the laws when conduction these investigation because no one around me has been contacted by these agencies. I want them to deleted these items immediately.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX from Comenity said my accounts would be adjusted and come to a fair resolution for the issues that Comenity has had for the last 8 months. 
XXXX XXXX from Comenity has decided to negate everything that was supposed to be adjusted and demanding I make a payment now instead of working with me. Threatened that my accounts will be charged off. 
I have been dealing with Comenitys horrific payment systems for the last 8 months. They tried blaming me for their issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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: NC

Complaint narrative:
In XXXX  with the Fair Credit Reporting Act, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation