vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for the amazon credit card associated with Chase bank in the early morning today ( XX/XX/2022 ). Later today ( Sunday, XX/XX/2022 ), I called Chase customer service in an attempt to see if I could expedite the verification process, I spoke to a female representative named XXXX. I gave my social over the phone because she asked for it to verify my credit card application, and I was told that I would have to wait until Monday for the verification team office to be open so I can contact them. The call ended. A few hours later, I receive 2 phone calls from an " unknown '' number and a voicemail from a lady claiming to be from the " Chase Fraud Prevention department servicing Amazon XXXX  credit card to verify information '' and that I had to call back. This was still the same day, Sunday. I strongly believe this was clearly fraudulent and that the employee XXXX at Chase Bank provided my personal information to this person. I am worried about what personal information of mine this employee has provided the thief. I have not reached out to Chase due to not wanting the employee to be on guard. I don't know how many potential victims this employee under Chase banking, XXXX, has hurt financially and emotionally. This is a huge breach of trust and Chase should take it very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from equifax and XXXX. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
I have inquired with XXXX and Experian to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.

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 2022-08-28 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: MO

Complaint narrative:
My ex husband fill out for a credit card under my name. They are saying that I filled the information out. XXXX XXXXXXXX states I filled out for it but I didn't not. I only have one XXXX XXXX account it is the one in the past 2 years.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions.

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction 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 non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have received a letter from the loan depot department that that I missed XX/XX/2022 payment, But I verified with my bank and they confirmed the payment was mailed out through bill pay service on XX/XX/XXXX and it was cashed out by loan depot lender on XX/XX/XXXX. I have copy of the cashed drafted check along with the bank statement that shows the payment was withdrawn from my account. 

I tried to call loan depot many time but they could not locate this payments. I also provided them a copy of the check and my monthly bank statement that shows payment was withdrawn from my account. 

This is not the first time ; I mailed a payment to them. The bill pay service was setup a year ago and I never had any issue until the XXXX payment. I have provide loan depot copies of the last XXXX check those shows it was withdrawn from my account but some reason they can't help me out. 

Lander : Loan Depot. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Account Number : XXXX Lander : Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is not mine please delete it was fraudently put on inquiry

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 2022-08-28 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: LA

Complaint narrative:
I discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least XXXX XXXX  of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: LA

Complaint narrative:
I discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least 1 % of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card 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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from XXXX and experian. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from XXXX and experian.

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 2022-08-28 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: SC

Complaint narrative:
On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. Trans Union Consumer Solutions LLC XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.

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 2022-08-28 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I don't know what is this Account is about? Can you send more Accurate Information about this Account? Where did this Account Pop up from all of a Sudden? While Reporting this information to CFPB it won't allow me to put my last 4 digits my SS # That's seems to be very Fishy to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
CAPITAL ONE ( Bank ) XX/XX/2022 This is an unauthorized inquiry. I did not apply for for an account with you guys. This must be a result of the Capital one data breach and my information was stolen. 
Please provide your reasonable policies and procedures to report this inquiry- ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 

( b ) Guidelines. Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate. 

( c ) Reviewing and updating policies and procedures. Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness As well as the accuracy and integrity of this reflection - Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting acXXXX XXXX account # XXXX, has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card 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 non-monetary relief