vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase dropped my credit limits on XX/XX/XXXX, on one of the cards they dropped my limit from {$18000.00} to {$2700.00}. At this time, I kept a balance of {$1700.00} which would have been less than 10 % usage. The other changes were from {$10000.00} to {$2500.00} and {$4200.00}. 

Despite having kept an excellent credit history by paying off more than the minimum due and being responsible about my credit use, Chase still decided to reduce my credit limits by these amounts which significantly affected my credit report. My usage went from 10 % to 50 % or more on these cards. I even accidentally maxed out one card paying for online courses because I had not been aware of the decrease. When I asked to have my original limit restored they said they'd have to pull a credit report to begin the process which seems very convenient for them. I explained that my credit took a hit because of their limit decrease so my credit report would be weaker as a result. Its no coincidence that they dropped them by this much because this essentially prevents me from being able to justify a higher credit limit. 

On top of the strategic manipulation of my spending power, the reasons for why they took this action in the first place are lies. They said that I had a high balance - I do not. They said that they might have gotten wrong or outdated information from the Credit Bureaus, that's also not true. 

I have been a long time customer of Chase and am very disappointed to be experiencing this. I'm essentially getting penalized for having a low balance and maintaining my credit. I would like my credit limits restored or close to what they were originally. Additionally, I've paid all my balances in full so there should be 0 excuses about my balances in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. - The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. XXXX XXXX reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success. 

Since then, they have sold the debt to a new creditor P & B Capital, LLC and now attempting to start the collections process again.This means the same debt is reflecting twice incorrectly. I have attempted to contact the creditor and they have not removed the debt. They have been very aggressive calling me at work and threading my job. 

They have also put a negative account on my credit without contacting me first to discuss the debt. This negative account is negatively impacting my credit rating and ability to obtain housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
A credit application was submitted to USAA and I have no knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Request to Citi Personal Wealth Management : Keep accounts below opened after a partial transfer order to XXXX was made : XXXX IRA ( ~ {$70000.00} ) XXXX ROTH IRA ( ~ {$2000.00} ) On XX/XX/23, I called XXXX, Citibank Investments, a phone number I had previously used to successfully contact Citibank Investments, in order to keep the accounts above open after a transfer order. I was rerouted to Citibank credit cards. 
On XX/XX/23, I called XXXX, Citibank Investments, I was rerouted to Citibank Business. 
On XX/XX/23 I called XXXX, a Citibank Investments representative, XXXX, sent me a secure email so I could attach a rescind letter to keep both accounts open. XXXX told me he will be looking into the issue of keeping the accounts open and told me he would call me back the next day. I never received a call from XXXX. 
On XX/XX/23, I reply to XXXX with a PDF attachment. 
On XX/XX/23, I received a reply form Citibank.securemail.citi.com telling me to attach and encrypted PDF without any instructions. 
On XX/XX/23, I wrote to Citibank.securemail.citi.com to asking for further instructions. I have received no response. 
On XX/XX/23 I called XXXX, Citibank Investments, I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a second time XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I called for a third time.XXXX, Citibank Investments . I was rerouted to Citibank department other than Citibank Investments. 
On XX/XX/23 I sent a rescind letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to request that the account above be kept opened. I have not received any response. 
On XX/XX/23 I called XXXX, Citibank Investments. I was assured my account will be kept open. 
On XX/XX/23. I called XXXX, Citibank Investments. I was told the account were still closed. 

Thank you for your help and time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
LEXIS NEXUS sold my credit information on or around XX/XX/2014 to the three major credit Bureaus and other companies, and this is hurting my credit score, and I'm not receiving a fair chance at credit worthiness. The original company does not report bankruptcies to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Zions Debt Holdings
State: TX

Complaint narrative:
this account is not mine i gave contact XXXX the company many times and they keep selling this account and putting it back on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

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 2023-08-14 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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Dear Consumer Finance Department, I am writing to bring to your attention a significant error on my credit report that has had a detrimental impact on my credit score. The incorrect information has been placed on my credit report by XXXX XXXX at XXXX XXXX, and I am seeking your assistance in rectifying this matter promptly. 

To provide some context, I resided in an apartment at XXXX XXXX  until my lease agreement expired. Prior to leaving the premises, I returned the keys to the management and ensured that all outstanding bills were paid in full. I fulfilled all my obligations as a responsible tenant, leaving the apartment in good condition. 

However, subsequent to my departure, the property was sold to a new owner who seemingly failed to review my lease agreement accurately. Despite my adherence to the lease agreement and fulfilling all financial obligations, the new owner claims that I owe them money. This erroneous claim has led to the inclusion of a debt on my credit report, which has significantly impacted my credit score. 

I possess concrete evidence to support my claim of returning the keys and providing timely notice of my lease agreement 's expiration. I kindly request that you review this evidence and investigate the matter thoroughly. It is of utmost importance to me as I am currently in the process of purchasing a home, and this unjustly negative credit report is hindering my progress. 

I kindly urge you to take immediate action to rectify this situation. Please remove the inaccurate debt from my credit report and update my credit score accordingly. I am confident that with your expertise and intervention, this matter can be resolved swiftly and satisfactorily. 

Thank you for your attention to this urgent matter. I am eagerly anticipating a prompt response and resolution to this credit report discrepancy. Should you require any further documentation or information, please do not hesitate to contact me. 

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 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Thank you, CFPB, first, I want to thank you for helping me in the past. If you were look into your history regarding my past complaint, it is related to my past complete. During the first of the year around XX/XX/XXXX my employee card with my other credit cards as well as my bank card were all breached I in turn close every account that I had which also included Shop Your Way credit card. All of my accounts were closed on XX/XX/XXXX of 2023. These purchases were made after the XXXX around the XXXX of the same month even though I confirmed with Shop Your Way that my account was completely closed they are still asking me to pay for something that I never purchase. Because of my history with you CFPB Im asking you if you would do the investigation yourself because theyre not doing their internal investigation or an extended investigation regarding this matter please contact me at your earliest convenience through the email on file. 
Additional information at the closing all accounts I open an account with XXXX XXXX and consolidated all my cards with XXXX XXXX. 
These are two of the latest documents on file

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 2023-08-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2022 experian havent been able to show me my three scores. They have been charging me {$24.00} each month. I call the membership departmetn for the last year and all they do is esculate the ticket. still to this day I havent been able to see my scores. They have requested my XXXX and 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 2023-08-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and anxiety that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and XXXX  that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : 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 XXXX XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account Number XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

Sincerely, 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