vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: OH

Complaint narrative:
My phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. I also noticed charges on my stolen credit card in my card app for payments to XXXX that were used to finance these purchases. My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX XXXX loans that were used to finance the purchases. I reported to both XXXX and XXXX that these orders are not mine. XXXX sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to the 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 2022-09-21 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian is reporting inquiries not authorized by me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX 

and 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 2022-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check in the amount of {$420000.00} on XXXX XX/XX/2022 at Chase bank and one week ( 5 business days ) later, none of the funds have been made available to me. I have no history of overdrafts, the check is from a stable institution and the bank has no reason to believe that the check is un-collectable, I have been a long time customer of Chase, this is not a re-deposited check, and the bank was not impacted by a natural disaster or other emergency. I am unaware of any justifiable reason as to why the bank should hold my funds in excess of 5 days or that they would not have made at least a portion of the money available to me. I called the bank to request that the funds be released and they were unwilling to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
this is a follow up to a previous complaint ( CFPB ref # XXXX ) sent on XX/XX/XXXX against US bank for failure to replace the 2 x {$500.00} compromised visa prepaid cards purchased from XXXX on XX/XX/XXXX. 

US bank responded saying they tried to contact me but couldnt reach me to request the information pertaining to the purchase and the gift card details. This case was then closed although they have not done anything to refund to replace the card to date.. 

I sent the requested information to US Bank on XX/XX/XXXX and have been following up several times for the replacement cards but they have no updates to provide other than a case has been opened. Its been already 1 month and still there is zero information on when my cards will be replaced. 

i really hope CFPB can help get my money back or the cards replaced. 

thanks!

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 2022-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 an Inquiry was made on my credit report. It was through Capital One. Name on it is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number ( XXXX ) XXXX. 

It is my name and phone number but I have never lived in California. 

I have contacted all three reporting agencies and Capital one to have this inquiry removed from my credit report. 

I do not know anyone at this address. This is the XXXX time I have seen an inquiry from Capital one on my credit report. Once in XX/XX/2022 and now again in XXXX. The one from XXXX was removed. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have contacted navy federal credit union faxed all documents as proof Im a victim of identity theft and fraud. Lease, police report, federal trade commission report. I have fraud credit card charges that were not investigated the initial time around and was reversed back into my account stating due to my spending habits.A letter was sent says I could appeal and I did. WAs advised not time frame for an appeal resolution, this is negatively reporting on all 3 of my credit reports when its fraud and identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.

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 2022-09-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: MI

Complaint narrative:
On XXXX XX/XX/2022, I instructed Upgrade Inc ( XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX, AZ XXXX ) to close XXXX lines of credit I had with this lender. Upgrade Inc indicated that it would take up to 10 business days for their " back-end servicer '' to close the accounts. More than 10 business days later ( XXXX XX/XX/2022 ), the accounts have yet to be closed and Upgrade Inc will not provide any updates or further information regarding the status of these accounts or my previous instructions to close them. The delay/refusal to close my credit accounts is exposing me to personal risk in the event that my card information is stolen and used fraudulently : I would ultimately have to plea my case that any fraudulent transactions were in fact unauthorized/fraudulent, which would cost me time and possibly money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX5 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.

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 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Ordered two pair of boots and two pair of sleepers from XXXX '' XXXX catalogue company on XX/XX/XXXX in the amount of {$220.00}. Received my order XX/XX/XXXX and returned two pair of boots and one pair of sleepers on XX/XX/XXXX. XXXX '' XXXX return department verified to me on XX/XX/XXXX, the two pair of boot items had been received. On XX/XX/XXXX the return department verified the one pair of slippers had been received. Payment of {$26.00} was sent for the one pair of slippers kept on XX/XX/XXXX. I have made dozens of phone calls and have spoken to at least a dozen different people and departments between XX/XX/XXXX until present time. I am still receiving statements that I owe for all XXXX items. My bills now include late fees and interest fees in the amount of {$300.00}, and I have been sent to collections through Comenity Bank XXXX. I am at a lost of what to do next, therefore I am seeking your help in rectifying my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: FL

Complaint narrative:
I am getting rude, harassing, and illegal calls from XXXX ( XXXX XXXX XXXX XXXX XXXX ) telling me I have to pay a debt that is in someone else 's name for something they owe in Maryland. I asked them to stop calling as I am not the person they are looking for as it is a wrong number. XXXX is not my name and I don't live in Maryland. I have not signed anything anywhere in Maryland. In response, the caller started yelling and screaming obscenities to me and telling me I have to pay this debt that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: TN

Complaint narrative:
In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 1st progress # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXr # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates.

without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.

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 2022-09-21 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act Equifax is reporting inquiries I never authorized : XXXX XXXX, XXXX XXXX, and EQUIFAX MORTGAGE SER ( XXXX ), and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TX

Complaint narrative:
Experian you state you verified this account I need order from judge or a Notary Republic that this is verified because it is not under the law state and federal Ill wait your decision before I take you to court for fraud 30 day no more, you have lied on you investigation when you state it was accurate and even now it is not I fell you need to be taken to the wood shed on this,

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 2022-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: FL

Complaint narrative:
They have repeated called numerous times in an attempt to a collect. I am requesting no future communication from this debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TN

Complaint narrative:
I got a car from XXXX XXXX XXXX and my car was stolen and wrecked. Before the car was stolen XXXX didn't report to my credit report. After the car was given back and I didn't want it because I didn't wreck it and it wasn't drivable they reported the account as open stopping me from obtaining another car from another dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: HW Holding, Inc
State: FL

Complaint narrative:
This is not a debt owed by me and has been reported incorrectly on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, XXXX XXXX  dba XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment XXXX XXXX dba XXXX XXXX  is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. XXXX, XXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX XXXX do the the right thing.

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 2022-09-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was contacted by someone claiming they had legal documents that were returned to them using my current address. She said to contact the attorney at XXXX using case XXXX XXXXXXXX regarding a civil lawsuit. 
Upon calling this number, I spoke with the " attorney, '' who claimed I was being sued for {$13000.00} for a Citibank Credit Card allegedly opened in XXXX. The settlement she offered was {$1800.00}. When I pressed for more information, such as the principle balance and other details -- seemingly amused, she laughed and scoffed. I questioned her about what was funny, and she sarcastically stated she was trying to help but was not forthcoming about any details. 
I did not open a Citibank visa in XXXX, and the address she provided at the time the account was opened was an old address from which I moved in XXXX. I mentioned I do not know such an account. I enjoy exceptional status with my current and up-to-date relationship with Citibank. I doubt I would be approved and issued the credit card I have with them if I was in arrears with them. Further, it is bothersome that they have personal information, including SS #, address, and phone #, attached to this false claim -- which has never been on my credit report and is XXXX XXXX XXXX. 
Further, she claimed and was implying that they would continue action against me if I did not settle this debt. 
This episode is not the first time a collector has attempted such an action. Looking at previous claims in my history, you will see that three different law firms have tried the same tactics for Citibank. 
XXXX, XXXX, and XXXX is the name of the current firm.

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