vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXXXXXX ACCOUNT BALANCE {$750.00} XXXX XXXX XXXX Account balance {$300.00} XXXX  XXXX XXXX Account balance {$500.00} US DEPT. OF EDUCATION Account balance {$1100.00} US DEPT. OF EDUCATION Account balance {$720.00}

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 non-monetary relief
Consumer complaint received 2023-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXX ACCOUNT BALANCE {$750.00} XXXX XXXX XXXX  Account balance {$300.00} XXXX XXXXXXXX XXXX Account balance {$500.00} US DEPT. OF EDUCATION Account balance {$1100.00} US DEPT. OF EDUCATION Account balance {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Friday, XX/XX/2013, I walked up to an ATM Machine located inside the XXXX XXXX XXXX in XXXX XXXX, XXXX. I inserted my Bank of America debit card, clicked Balance Check " on the screen '' The balance was {$62.00} and change. 

Then I decided to withdraw {$50.00} because the fee was {$6.00}. So, I authored everything. The print out reflected Available Balance {$6.00}. ( See image ). Then I went to XXXX XXXX, and bought toilet paper and paper towel for {$2.00}. That's the ONLY transaction I made. 

Yesterday, XXXX, I went back to the same ATM late at night, around XXXXXXXX XXXX to check my balance on the screen. I wanted to know if XXXX had refunded {$38.00} of double billing ; and can you believe the screen reflected NEGATIVE XXXXXXXX XXXX and change. How can that be? My account does not have over draft protection. The ATM fee was removed up front the same moment I withdrew {$50.00}. So, where is the negative balance coming from? 

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 monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have four credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I dont have a credit file or score and or debt that exist with all the major credit bureaus. So no one is able to verify my social security number or credit worthiness etc. its causing me trouble being 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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I dont have a credit file or score and or debt that exist with all the major credit bureaus. So no one is able to verify my social security number or credit worthiness etc. its causing me trouble being 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 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Someone has been using my name and social security number trying to apply for different accounts

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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a letter from Barclays dated XX/XX/2023, stating that the Power of Attorney ( POA ) request that I completed to let them know that another agent could act on my behalf concerning my AAdvantage Aviator XXXX XXXX XXXX XXXX account had been approved and notated on my account. I NEVER submitted any POA document to Barclays, and contacted Barclays on XX/XX/XXXX ( I was out of the country when the letter was received ) to request that they remove this POA. Although their letter states that you can mail, fax, or call them to request removal of the POA, this is false information, and I was told it could only be done by mail or fax. On this same date, I also contacted XXXX XXXX, the card 's issuer to request assistance, and was told that they could do noting to resolve my issue, and to contact Barclays. I called Customer Service on XX/XX/2023 to request information on the POA-named agent and notary signatory, and was told to speak with the Fraud Unit , where I was told that they did not have access to my account. I submitted a letter dated XX/XX/2023 via USPS Certified Mail to request removal of the POA. I called on XX/XX/XXXX, XXXX to discover that the POA had been removed on XX/XX/2023, and that I would be receiving a letter verifying the removal. I sent an email to Barclays on XX/XX/2023 attaching my initial letter and confirming that I would receive this information. I contacted Barclays on XX/XX/2023, and spoke with a Supervisor, who assigned a case number ( XXXX ), and assured me that the POA had been removed from my account on XX/XX/2023, and the information that I requested was being sent out to me. I received a letter from Barclays dated XX/XX/2023 that they are unable to complete my request.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXX and company credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX it was reported to the credit bureaus that I had a balance of $ XXXXThey never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am trying to find out why Chase is holding my funds past the law that is provided by the government on check deposits. They repeatedly tell me they can hold it for 7 business days because they feel like it. It has now been 10 days ( 6 business days ) and still they will not give me access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
My Apple Card is showing that account restricted for which I can not make any purchase. When I made a call to them they just said under review and no more info can be provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FB FINANCIAL CORPORATION
State: VT

Complaint narrative:
I refinanced my home with FirstBank in XXXX of XXXX. 

When I refinanced, I received written confirmation ( in email ) as to my home 's appraisal value that would be used to determine when PMI would fall off the loan. My loan would reach the value for PMI to fall off of the loan in XXXX XXXX. 

In XXXX XXXX, FirstBank informed me that the servicer for my loan was changing : From 'FirstBank Mortgage ' to XXXX XXXX XXXX '. 
This was being done the exact month that my PMI would fall off. 

I called FirstBank sometime after the transition, either in late XXXX, or early XXXX. I delayed calling due to the very premature birth of my daughter in XXXX. 

When I talked to the FirstBank representative on the PMI for my mortgage after changing servicers, they told me that they would not honor the original appraisal for PMI to fall off. They did offer to get a new appraisal done, that I would have to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERV XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For my Kohls/Capital One XXXX, I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Kohl's/ Capital One. I have no records of signing with my wet signature to authorize the account.

I never received the true invoices signed under penalty of perjury confirming that Kohl's/ Capital One provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from Kohl's/ Capital One related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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 2023-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I will make this short, brief and accurate as possible. For the past 6 years, DNF associates have furnished my private personal data to several debt XXXX without my permission. I'm only submitting 3 years of debt collection emails and letter. Dates starting back on XXXX XXXX at XXXX am to XX/XX/2023, at XXXX am I have a lot more which would have been too much to upload. DNF Associates, show a signed document between me and your company giving these debt XXXX access to my private personal data? This is definitely a violation of the FDCPA. This debt is also a Time-Barred debt. In my state of Texas, a debt collector has 4 years to collect and sue for an alleged debt owed. In XXXX XXXX XXXX and XXXX XXXX XXXX violated the FDCPA. See attachments for more details.

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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I called JPMCB Card Services on XX/XX/XXXX at XXXX and asked why this showed up on my credit report as of XXXX XXXX. They couldn't give me any information, they asked for the account number and I don't have it because this isn't my account. This account balance shows {$8400.00}. Charged off as a bad debt as of XX/XX/XXXX. It was opened according to the info on my credit report XXXX XXXX, XXXX. This is all the information I have about this account. I was never notified about this account. My first knowledge of this account was when my credit score went from around XXXX to XXXX for no apparent reason I am never late on any payments. Had to file bankruptacy when my husband was unable to work due to XXXX back in XXXX. I have worked really hard to keep my credit in tack and for this to show up out of the blue is ridiculous. Especially with no explanation and I can't seem to get one either. This is totally unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts 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 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They didnt remove my hard inquiry from my credit report. 

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 2023-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my consumer off report and noticed there are inquires that I never authorized. Consumer reporting agencies have assumed a vital role and have a duty to report consumer information with MAXIMUM accuracy. I have been a victim of identity theft and would like an investigation on who gave permission to authorize the following inquires XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2022 Please investigate and provide the proof that I gave permissible purpose aka hand writing consent to authorize these inquiries.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX 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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief