vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
The creditor XXXX  ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

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 non-monetary relief
Consumer complaint received 2022-04-12 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: GA

Complaint narrative:
1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - XXXX, Transunion and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - XXXX, Transunion and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - XXXX, Transunion and XXXX. 

4. {$8900.00} XXXX XXXX  date XX/XX/2013 ( XXXX XXXX - XXXX, Transunion and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - XXXX, Traansunion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: GA

Complaint narrative:
1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - XXXX, XXXX and Equifax. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - XXXX, XXXX and Equfax. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - XXXX, XXXX and Equifax. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - XXXX, XXXX and Equifax. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is inquiry not authorized or signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XXXX ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$300.00} ( see attached ). However, on the credit report is reads : {$400.00}. Therefore, this account should be removed from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dear JPMorgan Chase, I, XXXX XXXX XXXX, the consumer and natural person, was bank relationship and closure by JPMorgan Chase when I applied payment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.

You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by JPMorgan Chase due to the response I received.

JPMorgan Chase is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued and the accounts were closed.

Furthermore, because my social security number ( credit card ) pursuant to 15 U.S. Code 1602 ( i ) was used and I received NO benefit ; this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JPMorgan Chase.

If JPMorgan Chase fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make JPMorgan Chase, criminally and civilly liable for all actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. I will also follow up with an invoice for said violations. 

I am XXXX years old and a single dad to a XXXX-year-old XXXXXXXX XXXX I own numerous different XXXX XXXX XXXX XXXX and combined the assets are in excess of XXXX XXXX dollars and eventually have a XXXX XXXX relationship. I write this letter in hopes of joining J.P. Morgan XXXX Banking where the minimum requirements are assets of XXXX XXXX. 

Thank you, XXXX : XXXX XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/2022, I contacted Cash App via their chat line to let them know had two large unauthorized charges to my account from a company called XXXX. XXXX charge was for XXXX and another for XXXX. I also had a pending charge for XXXX. XXXX that needed to be released. I was told it would only take 10 days to resolve this matter. After a few days I received a another email saying it would take 45 days to approve my claim. I tried to follow about this matter but very agent I spoke with will not give a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, there was {$450.00} balance reported from Capital one. Called Capital one and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX was paid off. XXXX XXXX is violating my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : 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 2022-04-12 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: FL

Complaint narrative:
In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX was paid off. XXXX XXXX is violating my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My XXXX  was originally signed through Suntrust. The problems began with the merger that resulted in Truist. Truist customer service is abysmal. I was unable to establish an online account and kept receiving error messages. When I call, the call center has wait times of over an hour. After waiting for XXXX min, I was dropped. When I attempted to get information at the branch, the XXXX has to call into the same call center and wait on hold. I am currently waiting for a call back from the branch XXXX at the XXXX, MD branch. I simply need a payoff letter to sell the property and settle. The title company was also unable to reach the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Somebody we dont know made 7 different transactions on my savings account on XX/XX/XXXX for a total of XXXX dollars. We filed the complaint to bank of America but they rejected it. I am coming to you because we did not make those transactions and we can really use your help. 
List of transactions : Withdrawal from ATM XX/XX/XXXX : {$360.00} Withdrawal from ATM XX/XX/XXXX : {$260.00} XXXX XXXX XXXX Purchase XX/XX/XXXX : {$550.00} XXXXXXXX XXXX XXXX Purchase XX/XX/XXXX : {$14.00} XXXX XXXX Purchase XX/XX/XXXX : {$29.00} NNT XXXX XXXX XX/XX/XXXX : {$29.00} XXXX Purchase XX/XX/XXXX : {$82.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( I BELIEVE KNOWN AS XXXX XXXX XXXX ) Account # UNKNOWN has violated my rights. I don't know who XXXX is. I have never signed any agreement or contract with them. 

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 They have violated my HIPPA rights as well. This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Lowes ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$2200.00} ( see attached ). However, on the credit report is reads : {$2300.00}. Therefore, this account should be removed from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX 
XXXX, XXXX. 
XXXX, XXXX. 
XXXX, XXXX. 
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 XXXX : 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 2022-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX  account number 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 non-monetary relief
Consumer complaint received 2022-04-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX there were XXXX unauthorizes charges that Citibank has not credit old acct number ending in XXXX, new acct # ending in XXXX in the amount of {$360.00}. 
The unauthorized transactions are as follows ; XX/XX/XXXX, {$91.00} to XXXX, XX/XX/XXXX {$170.00} to XXXX XXXX, XX/XX/XXXX {$20.00} and {$77.00} to XXXX of XXXX. 
On XX/XX/XXXX Citibank completed their investigation and said that I was in possession of the credit card at the time of these charges and there for they did not consider it fraudulent activity. 
I have called and written to Citibank certifying that I my card was lost at the time of these transactions and I or XXXX XXXX had not authorized anyone else the use of our cards.

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 monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complain contains a report I obtained from the annual credit bureau website Where Experian with XXXX different addresses At the same time I requested to Experian to remove this inaccurate addresses from my credit report and they ignored all my disputes I live in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX or any others inaccurate addresses They must be remove All inaccurate names in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation