vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information with XXXX has been breached and they refuse to delete and block the impacted information. I've attached proof that my information was impacted. The impact of the XXXX data breach has effected my XXXX, XXXX, and Transunion credit reports. I also have included the impacted information. Please delete and block all of this information from my all of credit reports as I was a victim of this Data Breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information with XXXX has been breached and they refuse to delete and block the impacted information. I've attached proof that my information was impacted. The impact of the XXXX data breach has effected my XXXX, Experian, and XXXX credit reports. I also have included the impacted information. Please delete and block all of this information from my all of credit reports as I was a victim of this Data Breach. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
There is 1 alleged debt under my name and credit report with Credence Resource Management. Since the first alleged debt was bought by Credence Resource Management. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CAPITAL ONE Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A, 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 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A, 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 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My money was taking from my card on XX/XX/2023 at XXXX XXXX  from us bank in XXXX CA and it was fraud cause I did authorize no one to take my money it was in the amount of {$660.00} and I would like my money refund to me card ending inXXXX

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 2023-12-02 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I purchased two pair of jeans from Nordstrom online a few days apart, and returned both via mail, also a few days apart, with the mailing labels provided to me online by the store. When I received the credit card statement for XX/XX/, I checked my account on the store website to confirm that both pair of jeans had been returned AND RECEIVED by Nordstrom. Because both items had been received, I did not pay the credit card bill assuming I owed them nothing. 

The next credit card bill for XX/XX/XXXX  stated that my account was overdue. When I called, I was told that even though both pair of jeans were received, the one pair was not received until after the account had closed out for the month and therefore still owed the minimum payment. 

I was directed to the small print on the Nordstrom website regarding returns which states that it takes 14 days for a return to be processed and then another 3-5 business days for the credit card company to place the credit on your account. Therefore, the consumer must pay the minimum amount on the credit card account even though the store has the product! It was further explained to me that once the store and credit card company finalize processing the return, the account will then show the proper credit. You must then ask the credit card company to send you a refund check or you can use your card and apply the credit to a future purchase. 

This " return policy '' is incredibly deceptive and intentionally designed to force a consumer to have to make a minimum payment to the credit card company -- in other words, they have the use of your money AND the product. Because everything is done by computer, there is no legitimate reason for the amount of time to process the return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have a collection account from Portfolio recovery saying I owe XXXX dollars and the date opened is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XX/XX/2023, Chase falsely advertised a promotion offer to get me to sign up for a credit card. I followed the exact requirements of the promotion offer, but I never received the promotion I was entitled to. Chase has repeatedly failed to remedy the situation. 

I opened a Southwest Rapid Rewards Credit Card with Chase on XX/XX/2023. Chase and XXXX advertised a promotion from XX/XX/2023 to XX/XX/2023 that if you signed up for a XXXX XXXX Credit Card, you would earn a Companion Pass ( allowing a designated companion to fly with you for free ) once you spend {$4000.00} in 3 months. I clicked on an advertisement for this exact promotion to sign up for the credit card. 

I met the {$4000.00} spending threshold as of my XX/XX/XXXX credit card statement. By XX/XX/XXXX, I had maintained an active Chase account for 3 months. 

In XXXX, XXXX, and XX/XX/2023, XXXX repeatedly confirmed on the phone that I had received this promotion offer and that the requirements I described were correct. But Chase repeatedly claimed on the phone and in written messages that the promotion did not appear on my account. 

I clearly signed up for the card during the promotion dates and met the spending requirements. I sent Chase evidence via internal message that I clicked on this exact promotion offer to sign up for the card, that this promotion offer was valid on the date that I signed up for the card, and that I met the spending requirements within the first 3 months of opening my Chase account ( those documents are attached ). Chase refused to remedy the situation. 

Today, XX/XX/XXXX, I called Chase and gave them XXXX more chance to give me the promotion offer that I had rightfully earned. XXXX of the Chase representatives claimed that he couldn't apply the promotion to my account now because the offer had expired. The offer expired on XX/XX/2023, but IT WAS VALID on XX/XX/2023, the date that I signed up for the card. I signed up for the card explicitly because Chase advertised this offer to me! 

Chase 's false advertising and horrible customer service has forced me to pay full price for XXXX XXXX flights in 2023 totaling more than {$2000.00} that should have been free with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Every time I put in my correct social security number and information you never verify me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My bank account with Capital One was compromised via the online banking system. I asked Capital One on multiple occasions ( at least ten times ) to secure my online banking. They continued to fail to lock down my accounts and at least XXXX dollars was taken by the fraudster. Capital one continued to provide unclear direction on when they would secure the bank accounts or when they would provide me a refund. They continued to tell me it was my fault that this was happening and I needed to clean my phone which when I took it both to XXXX and XXXX XXXX XXXX they would tell me nothing was wrong. Ive wasted days trying to resolve this with Capital One and now I am aware that the fraudster accessed my social security number and other account information which Capital One fails to take responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A LATE PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX ACCOUNT # XXXX,,, XXXX90DAY LATE, XXXX90DAY LATE. ALL PAYMENTS HAVE BEEN ON TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A LATE PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXXXXXX ACCOUNT # XXXX,,, XXXX90DAY LATE, XXXX90DAY LATE. ALL PAYMENTS HAVE BEEN ON TIME.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The XXXX XXXX account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.

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 2023-12-02 00:00:00
Product: Credit reporting 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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a JP MOrgan Chase ( Amazon Prime ) card for several months and have used it almost exclusively for purchases on Amazon.com. In XXXX, they offered an attractive balance transfer option and I transferred {$7200.00} from three or four cards between XX/XX/XXXXXXXX  and XX/XX/XXXX. 

Since that time, I have been making payments of fees ( balance transfer fees ) and promo interest along with all new purchases each month. My payments have exceeded what was due, but I have suddenly started being charged interest on purchases even though I'm paying them off each month. 

Chase claims I forfeited any grace period for purchases when I accepted the balance transfer option. I'm in banking and I've never heard of such a thing. This is an illegal and unethical attempt to generate high percentage interest on items that have been paid off within 30 days of purchase. 

I have called and inquired each month, just to check my math and avoid confusion, to determine the amount I needed to pay to avoid purchase interest and have always paid more than advised. However, I continue to get interest I should not be getting. 

They've also tricked me into paying down my low interest balance transfers, which I paid a balance transfer fee on. No payments are supposed to be required on the transferred balances other than the low, promotional interest rate.

Company response to consumer: Closed with explanation