vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have a BestBuys credit card, and my previous credit limit was {$3500.00}. My balance last month was {$1.00}. I have always maintained my account current and made all payments, maintaining a good record with the company. I also have an excellent credit score history with all credit bureaus. I forgot to make the XXXX payment this month and I receive a letter from BestBuy stating that my credit limit had been reduced to 10 % of it was before to {$350.00}. See documentation attached. I am supplying with this complaint the letter I received, and two statements, one shown my credit limit of % 3,500 and the other shown the new credit limit of {$3500.00}. 

Since my credit limit has been reduced, this will impact my debt to credit ratio, which will impact my credit score considerably. I find that the measure taken by BestBuy Credit Services is disproportionate to the debt declared on the card statement, and disproportionally harmful. Also, I am concerned that this company might be treating minority clients unfairly. I have heard in my community about others who have had similar experiences.

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 2022-10-29 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: TX

Complaint narrative:
From XXXX XXXX XX/XX/2021, I was charged {$75.00} twice per month by XXXX for traffic ticket resolutions. The company never represented me or resolved either of my two warrants that resulted from their inaction. I reported this to chime and they opened an investigation that according to them resulted in no error. I followed up with a rebuttal and supplied all of my supporting documents that clearly showed that nothing was done by XXXX to clear my warrants and I was definitely scammed out of {$520.00}. I produced all invoices and receipts and documents of my warrants that remain open. Chime insisted no error was made and, not only closed the case, but also closed my account. Ive also done all that I could to resolve the issue with the merchant but they refuse to respond, answer the phone or reply to messages. Their website is still active and they are likely scamming other individuals as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX 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 2022-10-29 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: OH

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-29 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: OH

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
My CHIME account was frozen on XX/XX/2022. I reached out to CHIME support and was told they would need to provide documentation including my ID and a selfie of holding my ID with the date in order to unlock the account. That was provided and I was told that typically my account would be accessible within 48 hours. After a week I reached out and was told that I was provided with incorrect information from CHIME support and that I also needed to provide my passport and a utility bill. That was provided. A week later after not having the account yet unlocked I was told that they had all necessary documentation to unlock the account and that I would need to be patient. That was XX/XX/XXXX. I have reached out to CHIME support via phone, email, and through their XXXX page and have been told that the time period is unusual for this review but there is nothing that they can do. Further I was told that I could not be provided a reason for my account being frozen. 

I would either like to have access to my funds or I am perfectly fine with closing the account entirely and having my funds provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I just need a loan to help get Christmas for my kids

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 2022-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Please see for new and updated information. 
According to Capital One, an application was received by Internet on XX/XX/XXXX and an account was opened XX/XX/XXXX for account ending in XXXX. Please see attached. How is it that an account application was received in XX/XX/XXXX, but the account was opened in XXXX of XXXX before the application was received. Delete this account from ALL consumer reporting agencies including but not limited to XXXX, XXXX, and XXXX. 

I have requested an audit trail, which may include but is not limited to an account file, an account ledger, account transactional history, any and all accounting documents pertaining to this account. Capital One currently has not produced ANY of these documents. Capital One states the account was opened with a valid contract between me and Capital One. 

XXXX XXXX numbers- XXXX, XXXX, and XXXX are receipts that prove Capital One received documents from me requesting an audit trial in regards to account number XXXX. 

I hereby demand Capital One to remove the above-mentioned account information from ALL my consumer reports including, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
This company is using scare tactics to try and collect a 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 2022-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i got a notification from XXXX XXXX XXXX  that their had been a hard inquiry credit pull from XXXX XXXX XXXX. i tried contacting XXXX but my call kept getting routed to XXXX. i tried contacting equidad online and on the phone to file the dispute they would not investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: MO

Complaint narrative:
I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!

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 2022-10-29 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: MO

Complaint narrative:
I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I never received any notification, by mail or email, or phone of any amount owed to anyone anywhere and now I am seeing a collection on my credit report that is a complete surprise and frankly unsubstantiated. I received a call last week from a debt collector - the first call ever - in regard to an apartment building I used to live in but asked them to call me back since I was in class - they never did. This building never sent me any notice of outstanding payment due and I have no idea what they are even claiming this is for. When I moved out after my lease ended last XXXX, I gave them 30 days ' notice and they said they needed 60. I submitted a formal complaint and never heard back anything. No invoice or bill was ever sent to me. I am only seeing this now on my credit report which is unfair since I was NEVER contacted by the building about an amount owed. How can they do something like this? My phone and email are the same and they have both because they still send me emails from their rental portal about events. Please help, this can not affect my credit score since I was never given an opportunity to resolve this matter with the apartment before they sent this to collections. I am incredibly disappointed and hurt that a building I lived in for a year and paid on time as a perfect tenant would do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This notice is to inform the CFPB Transunion is reporting inaccurate information on my credit report. 
The old junk account was sold to XXXX XXXX by The XXXX XXXX XXXX 
ATTACHED WITH THIS LETTER IS A SCREENSHOT OF THE EXACT DATE OF THE ORIGINAL FURNISHER WHICH IS STILL BEING REPORTED ON MY XXXX CREDIT REPORT. 
This constitutes fraud. These companies should not be in business. 
They are destroying lives. 
Partial account number XXXX XXXX XXXX has illegally purchased and re-aged from XX/XX/XXXX to XX/XX/XXXX. 
This a malicious attempt to keep it on my credit file for a longer period of time. According to federal law, Neither creditors nor debt collectors can re-age an account. From the moment an account ages, it can not be taken back in time. Regardless of how many times an account is sold from one collector to another, They have willfully ignored my previous notice to cease and desist. 
Furnishing a duplicate account. It is illegal and unethical for a company to sell an account and keep reporting it on a consumers credit file. 

I have disputed this account with XXXX and it was immediately removed from my credit file. 

If by any miraculous chance your office is able to legally VALIDATE your claim with the below documents ; Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court to place this account on my credit file. 
An agreement with your company bearing my willful signature stating my legal obligation to pay this alleged debt. 
Original copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your purchase agreement with the alleged previous owner of the debt. 
Your license number and registered agent. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from 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 non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XXXX XXXX I visited XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and test drove a 2022 XXXX XXXXXXXX XXXX XXXX  that was priced at {$43000.00} after the test drive I informed the salesman XXXX XXXX that I was interested in purchasing the vehicle he then informed me that the vehicle would be ready for me by Monday XX/XX/2022. After filling out and signing the application ( which no copies were provided to me ) he walked away somewhere and after being away for a short amount of time he then returned to me and said that the process was taking a little longer than expected and that they were close to their closing time and told me to check back in with him. Due to the fact that it was a weekend and after him stating that the vehicle would be ready for me by XX/XX/2022 I waited until then to contact him only for him to tell me I was denied because my credit wasn't good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 an account without my written instruction.

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 2022-10-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax is govern by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Starting XXXX XXXX, XXXX I started receiving emails saying that I opened an account, which I did not. Then I started receiving paper bank statements with a {$0.00} balance and one with a fee of {$4.00} on XX/XX/XXXX. Today XX/XX/XXXX I have called the bank and after a lengthy hold they say they closed the account. I can't help but be skeptical. I have no idea how the account was started. I have heard of fake accounts being created at XXXX XXXX and XXXX XXXX ( which may have happened to me with XXXX too ), Not sure if it is ID theft or BOA scamming me.

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 2022-10-29 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: MI

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. 
Account name : 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 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