vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CONSUMER ID XXXX ; BANK OF AMERICA  XX/XX/year>, I DID NOT AUTHORIZE OR BENEFIT FROM THE INQUIRES LISTED. THESE ACCOUNTS ARE BEING REPORTED WITHOUT MY CONSENT, WHICH BREACHES Title 15 U.S. Code 1681b ( 2 ) ( a ). I DEMAND THEIR IMMEDIATE REMOVAL, AS THEY INFRINGE UPON MY CONSTITUTIONAL RIGHTS TO LIFE, LIBERTY, AND PURSUIT OF HAPPINESS. PROMPT ACTION IS REQUIRED TO RESOLVE 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA 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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This account is invalid. SYNCB/LOWES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/LOWES 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One : I applied, made the account, but never received a card from them. Now I am receiving emails and letters saying I owe them {$720.00} and have a CHARGED OFF ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I'm under collection from TRANSWORLD SYSTEM INCXXXX. They claim I have an account from XXXX XXXX TEXAS XXXX. 

I don't know that company. They claim to be an energy company. 

I don't live in any of the cities they claim to service in Texas. I lived in another state from the times they are claiming I owe them. I don't know what they're billing me for. I don't know where or when the supposed debt is from. They're tanking the credit rating agencies. 

I've never seen a bill. I don't know where this is from. I don't have an account with either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2024-09-04 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$4900.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I scheduled a wire from my personal JP Morgan Chase Bank NA account to my XXXX XXXX XXXXXXXX XXXX account for {$140000.00}. The wire was necessary due to the behavior or JP Morgan Chase Bank NA employees against me and my business. 

The wire was not processed and I was instructed to call and verify. On XX/XX/XXXX, I called and verified the information not once, but twice. I also called my local branch and verified the information again. 

The wire was not released and my account was locked. I then went to the local branch and they refused to unlock the account or release the wire/funds. 

My money is now being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-09-04 00:00:00
Product: Credit reporting 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.

Complaint narrative:
I was unnecessarily forced to open a XXXX  account XXXX for transacting a small amount of personal wealth when one XXXX banking relation with XXXX  was sufficient. I had XXXX  XXXXand later they changed it to XXXX when i was XXXXXXXX XXXX XXXX should have continued to pay me in XXXX instead forced me to transfer some money and then using that as the reason i was not reemployed in XXXX or retired or my personal wealth options enforced to have income as XXXX XXXX  of XXXX  I had only three members in my family my mother XXXX  and XXXX  XXXX. My XXXX  is XXXX  and XXXX is a XXXX  person and i am forced to interact with those i really dont like to interact. The thieves prevented me from maintaining alimony to XXXX. I paid XXXX XXXX. She was under custody of a XXXX  XXXX XXXX and they are corrupt and have attacked me using a XXXX XXXX XXXXXXXX, prevented me being retired in USA in XXXX. 
I suspect a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for sending a statement to their address when i was renting in XXXX XXXX apartments. This is Breach of trust by large organisation of thieves. They did not let me leave sun.com with my personal wealth that i can enjoy treasury rate interest or offer me a position or give me unemployment income through XXXX and this is XXXX  years of labour exploitation. I also suspect XXXX XXXX making me an offer in XXXX INSTEAD OF INHERITING ME XXXX XXXX AS MY WEALTH OR RETIRING ME USING XXXX XXXX, I WAS HARASSED BY XXXX XXXX AND SHOWN AS NOT INTERESTED IN RESIDING IN XXXX  AND FORCED TO SIGN XXXXXXXX. THIS ORGANISATION OF THIEVES IS STEALING MY MONEY SHOWING MY ADDRESS AS XXXX XXXX XXXX XXXX A SUSPECT BHARAT BUILD A GATE INTO IT XXXX TO EXPLOIT ME. I AM NOT WITH XXXX I HAVE NO CASH FORCED TO USE AN XXXX XXXX XXXX in XXXX. i AM NOT PAID EVEN MONEY TO ENTER XXXX AND SOLVE THIS IN AN XXXX  ACCOUNT XXXX I DO NOT NOT LIKE. i AM HUMILIATED AS A XXXX TO CONTINUE THIS THEFT. I have not stayed in XXXX XXXX XXXX  past XXXX. 

AGAIN I NEED CITIBANK  TO FLY ME BACK TO USE AND RETIRE ME USING XXXX OR REVERSE ALL PAYMENTS LOSS BECAUSE OF OPENING CITIGOLD XXXX I am in XXXX and found the house XXXX has stayed dilapidated. This is a large organisation of thieves not giving me my money exploiting a personal relation separation. I paid XXXX to her in XX/XX/XXXX i would have paid again and reunited with her if i was employed in XXXX or retired. I do not know where she is. some contents of this form has been destroyed by unknown .. my keypad backed and deleted. This is theft of like XXXX dollars a year unemployment treasury rate income since XXXX. Thats XXXX dollar theft.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX for improper and unlawful debt collection practices in connection with an alleged debt from XXXX XXXX XXXX XXXX. 

Details of the Complaint : Debt in Question : XXXX XXXX has contacted me regarding a purported overdraft on an old XXXX XXXX XXXX XXXX checking account, claiming I owe a few hundred dollars. 

Dispute and Validation Request : On XX/XX/year>, I sent XXXX XXXX a debt validation letter requesting proper documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, they responded by providing only a copy of an old bank statement, which does not meet the legal standard for debt validation under 15 U.S.C. 1692g. 

Current Situation : I have no open accounts with a negative balance with XXXX XXXX XXXX XXXX, and I dispute the validity of this debt in its entirety. Despite my request, XXXX XXXX  has failed to provide sufficient evidence of the debts legitimacy, such as the original signed contract, a detailed accounting of the debt, or verification that they have the legal right to collect this debt. 

Violation of FDCPA : I believe that XXXX XXXX is in violation of the FDCPA by continuing collection efforts without adequate validation and failing to provide the necessary documentation to support their claim. 

Military Status and Request for Extra Protections : I am currently serving in the military. As a servicemember, I am entitled to certain protections under the Servicemembers Civil Relief Act ( SCRA ) and related laws. I request that the CFPB consider any additional protections I may be entitled to under these laws and take appropriate action to ensure that XXXX XXXX is in full compliance.

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation