vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing to dispute the inaccuracies on my credit report with Transunion.

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 2022-10-14 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: TX

Complaint narrative:
I I am allowed under Hyppa law to protect my privacy and medical records from third-party. I do not recall giving permission to XXXX XXXX  for them to release my medical information to XXXX XXXX XXXX XXXX XXXX and account number XXXX validation of debt, and HIPPAXXXX  authorization was never given to the third-party. Please note that information given to the medical provider violates HIPAA law. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate, it may be a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX of XXXX  I left my phone in a XXXX vehicle. Within a few hours whoever got my phone had drained my bank account., all my information was on my phone still available because I had just used it for my ride and was going to use it to return home. I reported to my bank, I filed a police fraudulent pack but my bank keeps refusing my claim, I did all they asked to cooperate, still I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2022 XXXX {$1000.00} Discovered Fraud with XXXX on my account. I noticed it when my account went in the negative. Initially I thought maybe my husband did it but when I verified it he never had a card with that number on our XXXX account. 

Tried going through the branch 3x. And had my lawyer reach out because I lost over {$1000.00} from fraud. 

The bank credited me {$42.00} as a form of justification XXXX cant accept it. I had my lawyer send a letter and the bank still said the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I made a purchased to " XXXX XXXXXXXX '' on XXXX XXXX, XXXX  with my chase freedom card ( last four of card number XXXX ). I purchased a cabin rental called XXXX. I called into chase freedoms fraud department bc I didn't recognize 'XXXX  ' however, it was my mistake and that was in fact the cabin rental for XXXXXXXX XXXX. I called the chase freedom fraud department back stating my mistake. Chase freedom issues XXXX the funds of {$490.00} on XX/XX/2022. I have the document stating that from Chase freedom. I made a XXXX XXXX XXXX XXXX ) claim against XXXX. I was notified by XXXX on XX/XX/2022, they had issued a refund of {$490.00} to my financial institution ( JP Morgan chase freedom credit card ) on XX/XX/2022. I called and spoke with associates of JP Morgan chase freedom credit cards fraud, dispute, customer service and dispute departments on XX/XX/2022 and was told they did not receive any funds and could not assist me. Unfortunately, I resorted in the assistance of XXXX XXXX XXXX on XX/XX/2022 to help me find the funds JP Morgan Chase Freedom Credit card may have misplaced. On XX/XX/2022 I was contacted by an associate from JP Morgan Chase Freedom Credit Card that they have sent the funds to XXXX XXXX I'm not sure who has the funds but XXXX has informed me they were last to send the funds back to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in disputing all inaccuracies off my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 2022-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Want to Report some fraudulent inquiries that was Authorize on my Consumer report without my permission someone has stolen my identity information heres a list of inquiries that was not authorized by me Experian- 1.Experian XXXX XXXX- Date-XX/XX/2022 2XXXX  XXXX XXXX -Date XX/XX/2022 3.Experian XXXX XXXX-Date- XX/XX/2022 4.XXXX  XXXX -Date- XX/XX/2022 5. XXXX XXXX XXXX - Date - XX/XX/2022 6XXXX XXXX XXXX XXXX  7.XXXX XXXX Date- XX/XX/2022 XXXX  - Date-XX/XX/2022

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was a victim of identity theft. I disputed golden XXXX on my Trans Union credit report in XXXX. I sent in a police report. XXXX XXXX Bank was then removed and found inaccurate. In XXXX XXXX XXXX reappeared on my trans union credit report. I immediately called trans union and disputed the item as already been disputed and removed. I disputed it several time and each time they refuse to remove it. Ive suffered enough to constantly have this issues hinder me.. thank you in advance for your 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 non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: CA

Complaint narrative:
XXXX XXXX sent XXXX to my XXXX account on XX/XX/XXXX. Funds cleared on XX/XX/XXXX. Funds never posted to my account. XXXX was created and sent back to my original institution XXXX on XX/XX/XXXX at XXXX. 

Issues XXXX. XXXX funds were held without notification from XX/XX/XXXX - XX/XX/XXXX XXXX. No notification was provided to me for funds being held XXXX no notification that funds were being withdrawn or refused XXXX no reason for the return or withdraw of my cleared deposited funds. 

When I contacted the XXXX bank XXXX Bank, asking about the XXXX  transition. They told me that there was a XXXX returned for " Wrong Amount '' which is impossible on a deposit. 
Because the bank returned my XXXX  without cause or notification, it will likley take months for me to receive funds. As the originating account was a XXXX account that does not accept deposits.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received a text alert and email asking if I opened an account on XX/XX/12 as well as an email address verification asking me to call if I do not recognize this activity. The alternate billing account was listed for California and no transactions were made yet. Bank of America has closed the account and will be sending me the application.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 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 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 2022-10-14 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: MA

Complaint narrative:
Equifax claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my Equifax report and they were not address by Equifax. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Equifax continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for Equifax to be in compliance. At this point Equifax is in direct violation on multiple accounts according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : 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 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Error, inaccurate information. Im not an authorized user, and neither do I have a Capital One account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2022-10-14 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PAYPAL 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 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I pulled my personal credit report from XXXX and XXXX there are unauthorized hard inquiries that is affecting my credit score and credit record tremendously in a very detrimental manner I can't get a loan for my son 's college its had to obtain a loan to purchase a home for my family I have contacted these companies to no avail XXXX XXXX CAP1 XXXX XXXX XXXX XXXX CAP1 XXXX CAP1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP1 XXXX CAP1/SAKS XXXX CAP1/NEIM XXXX XXXX XXXX CAP1 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief