vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, not therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Credit Bureaus have violated my rights. Bankruptcy courts do not report nor release information about Bankruptcies to credit bureaus, third parties or consumer reporting agencies which means my rights have been violated under law. My bankruptcy has been dismissed and the credit bureaus continue to report it after requesting many times the removal of this bankruptcy from my credit reports. They have failed to comply with my requests and continue to report. This vicious illegal act is ruining my life, my health, my finances, job opportunities and my family 's well-being. 

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

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

15. U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX To whom it may concern I am in disagreement with the items listed below which still appear on my credit report even after your investigation.

Im writing to you in regard to Equifax Credit Bureau - Corporation ; I was rejected to get an account deleted from my credit report by your Customer Representative XXXX XXXX ; she says she cant do it and wont do it either. 

I am requesting a full investigation on this matter ASAP and requesting this account to be DELETE ; XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX I received a copy of my credit report on XX/XX/XXXX ; Which contains errors that are damaging to my credit score. I am requesting the following items be completely investigated as each account contains several mistakes that need to be deleted from my credit report ASAP. 

Thank you in advance for your time. I understand that you need to check with the original creditors on these accounts and that you will make sure every detail is accurate. I also understand that under the Fair Credit Reporting Act, you will need to complete your investigation within 30 days of receiving this letter. Once you are finished with your investigation, please send me a copy of my new credit report showing that account DELETE from my credit report. 

I look forward to hearing from you as I am actively looking for a new job and wouldnt want these mistakes on my credit report to stand in my way. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
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 604A 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 2023-04-25 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:
XX/XX/XXXX received an email stating my credit card was declined for {$3.00} at XXXX XXXX XXXX and it was over the limit. Not sure the exact date that I saw the email but that is the date the email came so when I saw it I called Capital one letting them know I have not used the card since XX/XX/XXXX. I also stated these charges were not mine and I did not authorized them. Capital one informed me these charges will be taken care of. My statement also came in for XX/XX/XXXX my balance was {$67.00}. Prior to the statement my balance was {$120.00} and I made a XXXX payment. Once my statement came for XXXX some of the charges were deleted and other remained. I called Capital one on XX/XX/XXXX and I was told since I still have the credit card in my possession that they could not credit all the charges back. I explained I never authorized these charges or did I make these charges. The rep told me that she is sorry they could not credit the account back. I stated again even though I telling you I did not authorize these charges or did I make the charges. The rep stated again they can not credit my account back. I explain if you look at my transaction history prior you will see these are not charges and different from by transaction history. Rep still refused to help me. Told rep I would be calling the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have tried several times to make arrangements for the XXXX XXXX credit card to be paid off. I lost my job and income during pandemic, had insurance for the card, but they lied and declined my request. I set up automatic draft and they continued fees and interest, I changed the draft date so no late fees would be charged from my unemployment check deposit. They continued to charge interest. I tried again to close account with no more interest per a promotional program. They lied. No proof of phone call. They show my auto drafts each month, but refuse to cancel my card, which I have not used since before pandemic. They lie constantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was first contacted on XX/XX/2023 by an unknown number. The caller did not identify where she was calling from, but explained that there may be a complaint that I may be affiliated with and to contact another number. This person did not state she was calling regarding a debt collection, no notice of recorded calls was given, and the representative provided ME with my year of birth and last XXXX of my SS number. She did not ask me to provide this information ; she reported it to me. She called from XXXX ( XXXX ) XXXX, which upon attempting to call the number back, duals to a rapid busy signal. 

I called the number she gave me, which she stated was for XXXX, but would not provide me the description of what the letters stood for and gave me a reference number. I called the number she provided : ( XXXX ) XXXX. There was no business name provided as the call picked up. I gave the representative the reference number I was provided and asked what this was regarding. She refused to tell me until I confirmed my personal information, which I never did. She then, proceeded to state my name, birth date, and FULL SS number without asking me any questions for me to verify my identity first. I did not respond to the personal information she provided me, she briefly put me on hold, then came back on the line and proceeded to tell me the call was in regard to a debt that was closed and is XXXX years old. She then threatened to file litigation, garnish my wages, etc. She provided me an amount that I can not verify due to the debts age and the account being closed out many years ago. I do not know if any of this is legitimate, but I am confident it is not legal. 

I am extremely concerned that this company, XXXX, XXXXXXXX XXXX XXXXXXXX, is accepting incoming calls, without recorded lines, without initial dent collection notification, and then providing the caller with federally protected identification information, including, but not limited to stating someones full SS number and then proceeding to threaten them. This firm needs to be investigated and I must now monitor my identity more closely to watch for identity theft and fraud.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
U.S. Bank new account promo code " XXXX '' for {$400.00} bonu $ offer accepted, confirmed, applied upon opening ( eligible status ), now refuses to pay due to some technicality not made known at opening or anytime after, which cost consumer one or more bonu $ offer $ with other financial institutuions!

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 2023-04-25 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: 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 XXXX XXXX Account XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account 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 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 2023-04-25 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: 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 XXXX XXXX Account XXXX Account name : XXXX 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 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 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
On Wednesday XX/XX/XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XX/XX/XXXX XXXX XXXX from Zwicker & Associates PC had filed a lawsuit with the XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. The CFPB should conduct a full investigation against Zwicker & Associates PC and assess fines for their unethical debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of Civil Procedure, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If XXXX XXXX Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should XXXX XXXX Bank and Zwicker & Associates PC .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-04-25 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I phoned Fidelity on XX/XX/XXXX to report a fraudulent charge on my Fidelity rewards Visa credit card. There was a charge of {$4000.00} made by an art gallery in XXXX XXXX that I have never been to. I noticed the charge on my XX/XX/XXXX statement as I was working on my XXXX taxes. I told the Fidelity representative when I phoned that I noticed the unauthorized charge from XX/XX/XXXX as I was reviewing my statements while combing through receipts. They immediately cancelled the card and issued a new card and opened the fraudulent charge case. My account was credited initially, but Fidelity put the charge back on my account after deciding to not defend my fraudulent charge claim against this gallery. I was never told the outcome of the claim via email or mail. They just put the {$4000.00} charge back on my account. A representative from the bank card phoned me the day after I submitted the fraudulent charge. I told her I have never been to the gallery or heard of the gallery. She asked me if I buy art and I said yes, but I can not afford to buy art for {$4000.00}. I generally buy art from friends or small local art shows for {$100.00}, never {$4000.00}. I phoned today to follow up on the claim and the Fidelity representative told me that because I told the person ( honestly ) that I do buy art, they put the charge back on my account. I DID NOT BUY ANYTHING FROM THIS GALLERY, NEVER HAVE BEEN TO IT OR HEARD OF IT! 
Their ruling is completely subjective and unfair. I gave them my honest report of what happened and I have been a loyal cardholder for years. 
I asked the Fidelity representative ; what if they asked me if I ate food? And answered yes, after disputing a charge for online groceries?

The charge by this art gallery was unauthorized by me, Fidelity never protected me when the charge was made- I should have been contacted when the charge was made or attempted by this gallery. It was a suspicious charge and Fidelity did not protect me then and they are not protecting me now. I am furious and plan to write a letter to a fraud supervisor at Fidelity and speak with an attorney. 
Another question I ponder on the suspicious charge going through and approved by Fidelity- why an even {$4000.00} charge? Art is taxable and the charge they approved was even. They have a terrible fraud/alert system in place, and they need to protect their clients.

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