vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted Identity theft reports to XXXX  and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Re : Chase acct. XXXX, cashiers check XXXX I have been a client of Chase Bank for over twenty years. In XXXX and XX/XX/2023, my accounts were hacked three successive times. Chase Bank then closed my accounts and issued cashiers checks for the remaining balances. All three checks arrived at my house in open, unsealed envelopes. 
The above-referenced check, for {$2000.00}, issued XXXXXXXX XXXX XXXX was returned unpaid. I spoke with a banker who said the check would be re-issued. 
On XX/XX/XXXX I visited the branch and spoke with a banker. After a phone conversation with a Chase office, he assured me that the check had been re-issued and was being mailed that very same day. He said that when I received the check I should not deposit it in another bank but rather cash it as quickly as possible. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I visited the branch and spoke with a banker. She said she could not confirm the status of the check but would submit a new request that it be re-issued. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me they would make a new request that the check be re-issued, since it has not been re-issued or mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They declined to make a new request to re-issue the check and stated the check has not been mailed out. 
It has now been approximately two months since the original check was issued and I have not received a replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.

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 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 Transunion, XXXX, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX XXXX  : I called Capital One to request a replacement card. They said they needed a copy of a state or Federal ID. I sent them a scanned copy of my drivers license. 
XX/XX/XXXX : Hadn't heard anything. I called and they said they needed both the front and back of the license. I sent them the scanned front and scanned back on same page. 
XX/XX/XXXX : Hadn't heard anything so I called again. They said they couldn't accept a scanned copy of a copy ( front of license ). Were supposed to send me a download link. Didn't.. 
XX/XX/XXXX : Called them again and got link. Sent scanned copy of passport and VA ID. 
XXXX XXXX : Again, hadn't heard anything so I called again. This time they said that Passport and VA ID were not acceptable forms of ID even though the download link states that either Federal or State ID is acceptable. I resent drivers license. 
XX/XX/XXXX : Hadn't heard anything so I called again. This time they said the photo on my Federally isues ID wasn't clear enough and wanted me to resubmit. I tolf them I was filing a complaint. 

No communication from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/23 I called Synchrony bank in order to close my IRA CD with low interest rate, willing to accept early withdrawal penalty in order to open brand new Synchrony IRA CD with double the interest. I asked to move the balance from closed CD to this new CD. Representative advised me that it may take 5-7 business days. New IRA CD was opened right away that same day. Up to now Synchrony bank website lists it as Not Funded. 
I called back three times since then to get an update on closing old CD and transferring funds to the new CD. 
Representatives kept telling me that this is internal transfer and it should not take that long. They talked to their supervisor and assure me that they will expedite the closing and transferring process. 
As of XX/XX/23 it has been 20 business days and still nothing is complete. New CD practically lost one month of higher interest. I feel that I have absolutely no control over my retirement money. At this point I cant close my CD, I cant move my funds to a different financial institution even if I wanted too. It looks like Synchrony bank keeps my money hostage keeping them at low undesirable interest rate. Ive been their customer for longer than 10 years. I have done similar transactions at other banks, and the process was practically immediate. I cant find any explanation why this relatively simple process takes so long. 
I need outside help with resolving this issue, because I have exhausted my options. 
Thank you

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 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. 

Several attempts to verify and dispute fraudulent information on my credit report have been unsuccessful. The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my 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 2023-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec 2725 440.2725 statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 8 years since this contract was entered. 440.2725 this company credit acceptance is violating the Fair Debt Collection Practices act. 440.2725

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — Gift 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:
Every time I try to make a purchase with the card it declines and says that the bank issuer refused the payment and it says there is an error. It keeps saying to update the payment method. It says an unknown error has occurred

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 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this complaint on my own behalf there is no third party involved. On XX/XX/XXXX - I submitted a packet to Experian information solutions regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. The accounts included : XXXX Card, {$6100.00}, Opening date XX/XX/XXXX - XXXX XXXX, {$4000.00}, Open Date XX/XX/XXXX - XXXX  XXXX, {$5400.00}, Open Date XX/XX/XXXX - XXXX XXXX, {$3100.00}, Open Date XX/XX/XXXX. This packet arrived on XX/XX/XXXX. The packet I sent to Experian is attached in the complaint. To this day, XX/XX/XXXX, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Experian Information Solutions failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/XXXX Experian notified me of the dispute results, from the initiated date of XX/XX/XXXX to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Experian that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Experian ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Experian to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.

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 2023-04-22 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: IN

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-22 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: IN

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
XX/XX/2022 I was approved for the loan of {$2000.00}. The interest rate is 160.14 % and as I pay, the loan amount continues to increase and is now totaling {$2600.00} regardless of payments I have made. I was charged every pay day for this loan. I missed payments and it is now with a debt collector who insistently contacts me via phone call as well as email. I have XXXX XXXX children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options. The loan balance continues to increase and adversely impact my credit. In my research, the interest rate that they approved me with is intentionally predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America credit card was opened without my authorization of the amount of {$5000.00} need this matter to be closed and be taken from credit report thank you

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 2023-04-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. 

Several attempts to verify and dispute fraudulent information on my credit report have been unsuccessful. The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One is charging 30.24 % interest. This is the third increase in one year. I called the company and requested a lower interest rate. They declined. My account is current and I have made all payments on time. I have a good credit score. 

Why is >30 % even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I would like to submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent modeling opportunity that resulted in identity theft and a negative report on my early warning record. 

On XX/XX/XXXX, I received an email from scammers offering a modeling opportunity. Their email address was XXXX. After applying, they responded on the same day congratulating me on my acceptance and stating that they would send a pre-payment check. The check was sent on XX/XX/XXXX, and the scammers took a picture of the postal outside my door through SMS from their phone number XXXX. I deposited the check immediately, but my bank informed me that it was a fake/bad check. My account was closed permanently and reported to credit bureaus, which caused difficulty in opening new bank accounts due to early warning reports. 

I provided necessary documents to early warning credit bureau such as the police report, conversation with the scammers, email address, phone number, and FTC report to early warning via fax. These documents clearly indicate that I was a victim of identity theft and had no knowledge or involvement in any fraudulent activity. The scammers had access to my personal information such as my full name, address, phone number, Social Security number, and bank account details. 

This unfair report on my early warning record is affecting my ability to conduct financial transactions and obtain credit. I believe that this report was filed wrongly and unfairly, since I'm also new to the system and the country. I have provided all necessary evidence to support my case and request that the CFPB remove this report from my early warning record. 

Please contact me at ( XXXX ) and/or ( XXXX ) to discuss further and provide a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX, XX/XX/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