vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is in response to my original complaint. I am including as of today current credit report status of this 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 non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase called me stating my name needs to be taken off businessaccout or they were closing business account. They told me they reserved the right to do so when asked why and gave me a XXXX # to call. I called and rep stated they reserve the right. My business call me and told me it was due to an account I had that had check fraud. I put in a compliant Chase executive office sent letter stating they can close at any time based on The deposi account agreement. Not only did they defame my character I never had an open account with Chase that had check fraud. They refuse to send evidence or get out information to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX Chairman, XXXX XXXX XXXX, in XXXX as efforts by SR VP XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my XXXX attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached Experian report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop XXXX  over consumers. Delete 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 2023-03-13 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX took over $ XXXX from our checking account unauthorized. We went to bank with all requested documentation and they refuse to refund our stolen money. We paid for 36 months of warranty a year ago never authorized any other charges.

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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Unauthorized wire transfers were made out to coin base. I reported these as fraudulent. Coin base does not have live agents to speak to over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX reported inaccurate information on my credit file and shared it with TransUnion and XXXX. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to TransUnion and XXXX remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.

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 2023-03-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX- The account number XXXX associated with XXXXXXXX XXXX  XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX XXXX XXXX - The account number XXXX associated with XXXX XXXX XXXX XXXX  is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
XXXX I received a " second notice '' of a debt owed, now in collections. 1 amount from XXXX, another in XXXX. Both of which I have no memory of taking on a debt or needing to have any kind of assistance that would require a service not paid for. I have emailed Phoenix Financial Services for the 2nd time disputing the claim/collections. They have now also put a collections notice on my credit report as well. The amount they show as " owed '' can be immediately paid off with an amount that is less XXXX the $ $ as what the total " collection request is '' if I pay immediately. $ XXXX of what I owe isn't even the " pay now to resolve '' amount. Too many problems with this, it's clearly false, fraudulent or accidental somehow. Now that my credit score has been lowered, I need help. I have never received a bill, a notice of service not paid for, no idea who the original debt is owed to or why. All the sudden I'm in " collections'..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Citi on XXXX XXXX. An adverse action was made against me by this corporation, pursuant to 15 USC 1681m. 15 USC 1681m only mentions a denial of employement not credit. I was violated as a consumer because I am the original person/organization who extends the credit according to,15 USC 1602e and 15 USC 1602g. 

Also Citi and XXXX are in violation of the Gramm-Leach-Bliley Act. I was never given a privacy notice or a opt-out notice from either corporation. I never gave either company permisssion to disclose my non-public personal information ( NPI ).

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the USPS and waiting weeks for a resolution. 
I did not send my personal information to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the USPS and waiting weeks for a resolution. 
I did not send my personal information to begin with!

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 2023-03-13 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: TN

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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Signed up for a Mortgage load. Credit company was unable to obtain Experian credit report. 
My login to Experian has been blocked so I can not lift the freeze. 
see below : Membership ID # XXXX Sign In Access denied Error 16 usa.experian.com XXXX XXXX UTC What happened? 
This request was blocked by our security service Your IP : XXXX Proxy IP : XXXX ( ID XXXX ) Incident ID : XXXX tried calling at XXXX - after 3 people couldn't help me, couldn't give me their ID # and couldn't transfer me to their supervisor, I finally reached XXXX # XXXX XXXX XXXX Still couldn't resolve problem. 

Without help from agents and my login blocked- with my membership id showing, Experian is intentionally stopping me from buying a home. My Member ID clearly shows in the Heading of the Error XXXX page - prevented by security.

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 2023-03-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXX XXXX  XXXX- The account number XXXX associated with XXXX XXXX XXXXXXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX XXXXs questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX  XXXX- The account number XXXX associated with XXXXXXXX XXXX XXXXXXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello, I was a costumer at Bank of America and as most people these days, I relied on Apple Pay since I switch purses often. Ive never misplaced my card for more than a day and or have never had anyone take funds from my account while using XXXX XXXX on my phone. This one time there was a check deposited in XXXX XXXX California and at the time I was in XXXX XXXX. I had work that entire week and even made purchases for lunch on my breaks. The check was deposited fraudulently without my knowledge and was done at an atm in another state which I was not in at the time. The bank investigated amd determined NOTHING. I never got a clear answer as to what steps were being taken and if it was my fault. They just closed my account and never investigated.

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 2023-03-13 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: Caliber Home Loans, Inc.
State: MS

Complaint narrative:
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an 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. 15 USC 1668B 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 2023-03-13 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: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an 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. 15 USC 1668B 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 2023-03-13 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: Self Financial Inc.
State: NJ

Complaint narrative:
Do you have a contractual obligation with XXXX, XXXX, XXXX XXXX XXXX. Yes or No? If yes show me the contract.

Company response to consumer: Closed with explanation