vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are XXXX XXXX fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

In addition to the fraudulent charges amounting to {$10000.00}, this particular credit card was opened without my knowledge or authorization. The account that the fraudulent charges are related to is under a different name and demographic information and the merchant is a sports betting entity ( 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 2023-10-15 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: MD

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

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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I wrote a dispute letter to NCB Management Services requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that XXXX has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can NCB legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I wrote a dispute letter to XXXX XXXX XXXX requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that Santander has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can XXXX legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
tried contacting synchrony bank about XXXX inquires that happen in the same day and to investigate so it can be removed but told me they cant do anything to resolve it. 
i created a report on www.identitytheft.gov and reference # 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 2023-10-15 00:00:00
Product: Credit 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: DISCOVER BANK
State: CT

Complaint narrative:
Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to XXXX I have no association with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to '3 ' unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XXXX 

This particular charge ( {$1100.00} ) is related to a XXXX XXXX  scam by an unregulated broker ( XXXX ) located in the XXXX XXXX. The account that the fraudulent charge is related to is under a different name and demographic information. Attached to this complaint is an FTC Identity Theft Affidavit, Police Report, and the XXXX invoice showing the account is under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: GA

Complaint narrative:
Chase denied 2 disputes when they have honored disputes on my behalf in the past. XXXX XXXX XXXX XXXX XXXX scammed me out of XXXX sent through XXXX XXXX XXXX XXXX XXXX After multiple attempts to communicate and get money refund from merchant Chase said sent proof returned damaged product. First had faxed multiple times they kept saying didnt receive giving multiple fax numbers. Then received gave further run around. Deliberately refusing to honor dispute and give customers the run around this they just started doing. Date of transaction XX/XX/XXXX Inquiry XX/XX/XXXX claim number XXXX. 

XXXX XXXX XXXX scammed out of XXXX after being dishonest about their property. Decided to drive out all the dumpters were over loaded with trash lots ppl hanging out said don't move their rat roach infestedXXXX XXXX this property mgt. in Georgia they have many properties with complaints of roach rat infestation. I emailed the property mgt. and she did not respond. Chase Bank said they sent them a copy of some policy shared with me regarding refunds, not true requested on XX/XX/XXXX a copy of this policy from claims who gave me the run around on the phone for about an hour on XX/XX/XXXX. Never sent. 

Chase Bank is not not honoring disputes even after you follow through ie return property request documentation they say got from respondents and they just give you the run around finding ways not to refund you. Have done plenty business with them and this is wronng. I have been communicating with them through the app, you cant screen shot the conversations their have been multiple on this issue beginning early XX/XX/XXXX to XX/XX/XXXX the last phone discussion with claims. They find this humorus the frustration they put you through have them pull the call of XX/XX/XXXX claims for you to hear. Date transaction XX/XX/XXXX Claim number XXXX. 

They mix claim numbers, claim not to get fax, give you the run around through the app and not honor disputes after you follow through on everything they requsest. It is time comsuming and frustrating when they string you along for months. Please have them pull the corresponses from the app. I give permission. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1 ) Amazon gave me a Credit Chase Amazon Card and I used around XXXX {$2.00} ) less than 3 weeks, Chase closed my credit without any reason 3 ) Chase in a very odd action closed all my accounts. They called me a criminal person and in one word, the story of discrimination and racism started. 
4 ) I was paying that XXXX $ monthly and adked them to put it on auto pay 5 ) I didnt have/ still dont have access to any statement including this XXXX {$6.00} ) Chase called me why havent you paid? I said I dont even know where how how much and it was on auto-pay. That said it us not on auto-pay. Again, I gave them i formation and requested the auto-payment. 
7 ) This story of auto-payment is not on auto-payment got repeated many times.

8 ) One day I asked them you don't give me any statement, and I am assuming during closing my accounts some money disappeared. And, told them, why my auto-payment gets frequently cancelled, and you after a few months tell me 9 ) now, it has been 3 months, they have sent me a paper as some kind of statement, it is too interesting that for XXXX or XXXX $ left they charged me more than XXXX XXXX 
10 ) once one of them told me cone to this program and pay, that was a new trick I started paying XXXX $ monthly, but later I realized every single month, they not only charge me, but also this amount of mo ey doesn't exist on their papers. 
11 ) Anyways, I see after 1 year and half, and paying more than that XXXX XXXX they still demand XXXX XXXX 
12 ) I called them, threatened them to see them in the court as during closing my accounts, they harassed me, humiliated me, called me a dirty criminal person without saying which crime and after that they have always been trying to mess with me, charging me, etc. 
13 ) I told them I am not going to pay you and get charged and you have used the dirtiest tricks to rob me.

14 ) They are even ashamed of saying how many times, they charged me whereas I had no idea what was going on.

15 ) Now, I have cone to this conclusion that closing all the accounts of a customer after 11 years of being with them, and this kind of playing around in order to hurt my credit score, etc., not only needs to be reported to a governmental financial organization, but also I have to report and file a lawsuit against Chase Bank, particularly the branch in XXXX, California, XXXX, where they committed those kinds of atrocities against me. The fact being that I have been suffering from an idiopathic harsh complication, and Chase despite knowing that to be exact around the time, I was going to leave the cou try for my treatment in a cheaper country ', on purpose, just hurt me, is extremely weird, I really don't understand the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied online for a line of credit. Navy Federal Credit Union immediately denied an extension of my credit. 
This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector Portfolio Recovery Associates , LLC sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: MD

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

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 2023-10-15 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: Self Financial Inc.
State: KY

Complaint narrative:
this is not in error i have requested this account be deleted now under my federal protection laws that is the only solution no information is needed from me STOP VIOLATEING MY RIGHTS OR I MUST SEEK JUDGEMENT? MONATARY RELIFE per FTC report i have been victim of identity theft and request this account be deleted from my credit report per 15 usc 1681c-2 block of infromation resulting from identity theft, futher note 15 usc 6802 obligations with respect to disclosures of personal information i request this acct be deleted from my consumer file and credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Home Depot account that had been closed by Home Depot due to inactivity. The account was re-opened fraudulently without my knowledge, and a charge was made at a store far from my home store. I only noticed when Home Depot collection calls came in. I immediately let them know that this was fraud, and also created an online profile to notify them of the fraudulent charges on XX/XX/XXXX. Home Depot 's fraud department is not responsive, and at first refused to close the account or remove the charges. I visited Citibank, the main bank that owns this credit card, and they had to call the Fraud Department. Finally, today, XX/XX/XXXX, the main charge is removed from my account, but Home Depot is not removing the late fees and interest charges related to the fraud. The Fraud Department hangs up on me or is closed, and Home Depot has been very difficult to deal with.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: CA

Complaint narrative:
I opened my US Bank checking account on XX/XX/23 using US Bank 's checking account bonus promo code ( XXXX ). The promotion stated that when you have made direct deposits totaling {$6000.00} or more within 90 days of opening the account, the account holder will receive a {$400.00} checking account bonus. I met the requirements by XX/XX/23, but as of XX/XX/23, I have not yet received the checking account bonus. 

I called the US Bank customer service representative today who said that she was unfamiliar with a checking account bonus and proceeded to transfer me to a closed department. This experience has left me feeling frustrated and concerned.

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 2023-10-15 00:00:00
Product: Credit 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: WA

Complaint narrative:
On XXXX I ordered 2 cases of iced tea from XXXX XXXX XXXX in the amount of {$65.00} on Capital One credit card. 

I never received the iced tea order. I tried to reach out to XXXX XXXX multiple times inquiring about my order and its status. XX/XX/XXXX and XXXX ( via XXXX & email ) I never got a response. 

So I filed a dispute with Capital One who temporarily gave me a credit for the charged amount. 

Yesterday I received a letter from Capital One ( XX/XX/14 ) saying they sided with the merchant because they provided proof that I received the order. I called Capital One today to ask them to provide what proof the company gave them of this, and they weren't able to provide any proof that it was shipped to me. 

XXXX XXXX is no longer in business which probably explains why I never got my order. XXXX XXXX XXXX ( link is no longer working ). 

Other customers are complaining of unfilled orders as well on their XXXX Page ( XXXX  : XXXX )

Company response to consumer: Closed with monetary relief