vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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:
Since XX/XX/2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XX/XX/2022. I was made aware on XX/XX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the three credit bureaus to be inaccurate. For 3 months the 3 credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately!

They also violated the law because according to 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 explanation
Consumer complaint received 2022-12-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, ALLY FINCL, XX/XX/2021 and XX/XX/2021 you reported that my transaction was 30 days late

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 2022-12-09 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:
The branch manager XXXX XXXX NMLS ID : XXXX refused to service me, harassed and humiliated me. It supposed to be a simple transaction at a branch. I just wanted to make {$150.00} deposit to my checking account. I gave a teller my current California driver license and it was sufficient enough so she located me in Chase database. I have XXXX addresses and the address on Chase file is current XXXX but does match the address on my driver license. Every time I make a deposit at the same branch, I can hear the same question.. Can you verify your address? And I mentioned many many times to make a note on the file. This time I just refused to answer and said the address on file the address I have. Apparently, it was not enough to establish my identity. XXXX XXXX was right behind the teller and told me she won't service me until I verify the address with Chase. I explained my position several times and were told it is The branch internal policy to identify myself by the address. Not sure since then the State ID is not enough! I asked to show the policy in writing and XXXX declined my request. Instead, she called XXXX police department since I refused to leave. 5 minutes later I was interrogated by Sheriff and XXXX police. I feel like humiliated doing nothing wrong. I would like to have a full investigation of the incident and receive a report with the taken action against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: LEXISNEXIS
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 : XXXXXXXX XXXX XXXX  | XXXX ; XXXX | XXXX | XXXX ; XXXX | XXXX | XXXX. 

According to : 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
Consumer complaint received 2022-12-09 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: IL

Complaint narrative:
XXXX XXXX XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not 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 explanation
Consumer complaint received 2022-12-09 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
On XXXX XX/XX/2022 at XXXX XXXX XXXX I received a telephone cal from XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid debt for a Citibank Visa card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from Citibank. I have asked XXXX XXXX XXXX to send me verification of this debt. I no longer have any documentation of regarding this Citibank credit account. I held this account over 10 years ago. After speaking to the Representatives from XXXX XXXX, I did a search on XXXX regarding this firm, which was given the grade of XXXX XXXX XXXX XXXX XXXX XXXX I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact Citibank for that verification from their archives. I contacted Citibank, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. 

When I initially applied for this card, Citibank had their credit card operations in XXXX XXXX. According to information I found on XXXX, XXXX XXXX XXXX  statute of limitation on debt collection is 6 years. 

With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from XXXX XXXX regarding this issue.

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 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Documents have been sent out to the company acknowledging the fraudulent transaction that occured in the begining of 2022 for a loan of XXXX. Affidavit of Truth, XXXX XXXX XXXX XXXX, Affidavit of Truth All Accounts Are Paid In Full was included in the documents. 
-Pursuant to 12 USC 83 Banks cant actually loan money.

-Pursuant to 12 USC 1431 the role of banks is to not extend credit nor loans. 
XXXX XXXX Transaction -Conspiracy -Unlawful -Rico Act -False Marketing/Advertising

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer. 

XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Case XXXX XXXXXXXX XXXX I've been using a VPN for over a year and recently received an email to re-verify my identity from Coinbase. That's when the problems started happening when I couldn't get access again. In a recent case, the number was finally told my VPN was not allowing Coinbase to verify my identity correctly. And the last time I spoke to a customer support representative informed me that the authenticator would be reset so that I may use my smartphone texting to verify and authenticate. My authenticator app, which I used before I reset my smartphone, was cleared, so it can't be used during recovery. Please investigate the paper trail of emails received not to allow me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TX

Complaint narrative:
I have attached 2 FTC reports with a collection and inquiries I did not authorize, please delete

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 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021

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 2022-12-09 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: NC

Complaint narrative:
I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TX

Complaint narrative:
I have attached XXXX FTC reports with a collection and inquiries I did not authorize, please delete

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NV

Complaint narrative:
I paid for a plane ticket with my chime card and they did not send me my airplane information so I called chime to cancel the transaction and chime will not give me my money back I paid for it with XXXX that's who I did the plane ticket transaction with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MD

Complaint narrative:
On XX/XX/1922 I received a letter saying I owe XXXX {$170.00} and American Corsairs International LLC was trying to collect the debt. I contacted XXXX and they said I dont have any outstanding debts nor do I have an account number what is stated in the debt collector letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ERC
State: TX

Complaint narrative:
15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was gifted a visa gift card {$100.00}. Which was purchased at a XXXX XXXX target the day of XX/XX/XXXX. I tried to use the gift card at store on XX/XX/XXXX and the card would not work at all. At first I thought it was a card problem until I looked further into the website for the balance and someone had already used my card at target two times of the amount of XXXX each. I then instantly called to get it disputed and person that assist me at first was nice and assisted me to complete a dispute. Weeks passed i got an email specifying that My dispute was granted and that the balance would be loaded back to the card. I didnt understand why they would load my card back if the card numbers were compromised. I called visa gift card services multiple times after I received that email on XX/XX/XXXX. The representative that I got were useless. They would hang up the phone on me and pretend it was disconnecting. I then called again waited to be helped for more than XXXX hour each time for the same thing to happen again. I was beyond frustrated and upset that no one would assist me. I then went to target to speak to the service engagement XXXX at the XXXX location and she specified that I needed to go to the target were the gift card was purchased along with my physical receipt and gift card to get a refund for the card. I went ahead and went to the XXXX XXXX location and asked to speak to the service engagement XXXX and I explained my situation and she said she could NOT do anything for me she said I had to go through visa. I advised her that I was just at another target and they specified that it was possible to get the refund but I had to be at the store that the gift card was purchased. It is very frustrating that no one can help me or guide me through the process of just simply getting my refund for my gift card. I am aware that this is happening a lot at target stores with people that purchase gift cards specifically visa gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Penn Credit Corporation
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: I.C. System, Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for 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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2022, I made an early payment to my credit-card company in the amount of {$10000.00}. ( Payment was due XX/XX/2022. ) This was a bank-based payment, drawn on my regular bank. My account has never been late. Instead of crediting this payment within 48 hours, as has been the company 's usual practice, the company had not credited the payment to my account as of XX/XX/XXXX, five days after the payment was made. The money had been debited from my bank. As a result, my credit card was over its limit, and charges were being declined. I called the company to inquire and complain, and was told that, due to the high amount of the XX/XX/2022 payment, the company would not be posting my payment until XX/XX/XXXX -- EIGHT DAYS AFTER I MADE THE PAYMENT. This was bad enough. 

However, it turns out that the representative who assured me that the payment I made would be posted " on XX/XX/XXXX '' was a XXXX XXXX XXXX The payment was not posted on the XXXX. I checked the credit card 's website, only to see that my account remained " over the limit. '' I called the company again on XX/XX/2022, only to be told by a second Customer Service Rep that by " XX/XX/XXXX '' they actually meant " XXXX '' of XX/XX/XXXX. NO! XXXX  of a given date is not that date!! It is the NEXT DAY! XXXX  ( or even, for all intents and purposes, XXXX XXXX  ) of XX/XX/XXXX is ACTUALLY XXXXXXXX XXXX I then spoke with a Supervisor, who looked over details of my prior contact with the company and acknowledged that I had, indeed, been promised that funds would be available on the XXXX. This Supervisor also acknowledged that a " reasonable person '' would NOT take " XX/XX/XXXX '' to mean " midnight '' on XX/XX/XXXX. Furthermore, the Supervisor actually acknowledged that the credit card company HAS HAD POSSESSION OF MY FUNDS since XX/XX/XXXX. 

This is fraud, or certainly borderline fraud, and it is also mis-use of my money. 

The credit-card company refused, point-blank and repeatedly, to credit my account, even on XX/XX/2022, with the funds I have paid. They refused to increase my credit limit, so that I could make charges ( including automatic charges ). 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