vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The payment history is inconsistent on all the bureaus Account : XXXX XXXX XXXX. 
account no: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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The payment history is inconsistent on all the bureaus Account : XXXX XXXX XXXX. 
account no:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023, a Temporary Restraining Order ( TRO ) was placed on my Total XXXX account by Chase Bank. Despite filing complaints with both the Consumer Financial Protection Bureau and the XXXX  I have yet to receive a satisfactory resolution from the bank. The responses I received from Chase Bank, which I have attached as PDFs, simply advised me to wait for an internal review. Even though the TRO has legally expired, Chase Bank is still holding my funds without providing any information. This is my final attempt to kindly request the lifting of the insufficient XXXX and an internal review of my case with a prompt response. 

I also want to inform Chase Bank that, as a customer, I am escalating this matter to the XXXX XXXX XXXX before proceeding with a court complaint. I am taking legal action against the bank for customer negligence and the indefinite holding of my personal funds. If Chase Bank can provide a satisfactory resolution, I will promptly drop this case and avoid any further escalation. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from " XXXX '' stating : " BofA Security : Debit card ending in XXXX was declined. Enter the correct expiration date OR call XXXX to activate your card. Text STOP to end texts. '' I have a Bank of America checking account with a debit card ending in XXXX. This card was not activated when received because I have no intentions of using it. It is stored in a safe. 

I called Bank of America using a number found on my account page after checking my account information online. The representative was not helpful and didn't understand the issue. 

As a victim of known-name identity theft, I am very concerned by lack of security and concern of the situation. It appears someone is attempting to use my debit card but can't because it was never activated. The debit card has never been used. This indicates that Bank of America has a data breach of my information.

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 2023-05-21 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: MD

Complaint narrative:
XXXX reporting incorrect addresses and charged off collections that say paid off from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
TransUnion : Charged off collections paid off from XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX charged off XXXX XXXX charged off and cease and decease letters to XXXX XXXX XXXX and XXXX XXXX XXXX all of the following items are producing painful experiences on my consumer credit. Thank you for addressing 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 non-monetary relief
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax reporting incorrect addresses and charged off collections that say paid off from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
XXXX : Charged off collections paid off from XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX charged off XXXX XXXX charged off and cease and decease letters to XXXX XXXX XXXX and XXXX XXXX XXXX all of the following items are producing painful experiences on my consumer credit. Thank you for addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize and must be deleted immediately : XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act of these companies has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 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 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I was contacted by Citibank. Evidently our account was 30 days past due. Why they didn't reach out to us before it ws 30 days past due, I am not sure since we have never missed a payment. However, in speaking with them, it turns out we were switched to their estatement system. We never signed up, despite their claim that we did in XX/XX/2023, for estatement. We don't use ANY estatements to pay ANY bills because of the chance of them ending up in junk emails. 

It turns out our last two statements were send via email and that they were never seen because they ended up in junk email. I don't check junk emails as, they are junk. They are automatically deleted and there was no reason to check them. 

Again, we never signed up for estatements KNOWINGLY. My guess is that on the website, it is an opt out if you make an online statement. Either way, it was on Citibank to contact us via another method if we missed a payment and they failed to do so until it was already 30 days past due. I take our credit history seriously and this has damaged our credit history. 

I spoken with Citibank and they indicated that due to the situation they would and could review it and reverse it. However, in my experience this doesn't happen. I am writing because when I filed the request, Citibank wasn't even aware that this was an option ( despite the fact that their own employees told me about it ). 

It has now hit our credit rating and damaged our credit. We have an excellent payment history with Citibank so i believe they should reverse this ASAP. I have notified them by phone, put in the request and put it in writing as well but, in my experience, credit card companies rarely do the right thing and, based on my conversation today, I doubt they will here as well. 

I want 1 ) Citibank to remove the report to XXXX ( and the only way I found out is I monitor my credit reports ) 2 ) Do so immediately 3 ) For long term customers they should reach out by phone before the 30 day window occurs because it damages their customers.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-21 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: LEXISNEXIS
State: CA

Complaint narrative:
I have contacted Lexus Nexus, XXXX, XXXX, XXXX. about false information reported by Lexus Nexus. I contacted them all XX/XX/23 by phone and certified mail for them to remove this false information. I received a response from XXXX that the information was certified and correct. I asked for proof of this which has not been provided. I know the XXXX Court does not provide information to the reporting agencies or any 3rd party data mining companies to certify. This statement by XXXX is false. This is false information and should be removed ASAP as there was no XXXX XXXX XXXX    that I was involved in. This is putting my business in a bad financial situation and companies like this should not be able to provide false information. XXXX  for helping in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, Capital One has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority. 

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this collection agency. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX comes with the benefit of an annual Companion Ticket. 

According to the information given on the Website of Barclays ( https : //www.barclaycardus.com/servicing/rewardsHubResponsive? __fsk=-482126351 # rewardsBenefitDetails/EXCLUSIVES/EXCLUSIVE/63783 ) more information can be received thru XXXX However, this XXXX doesnt work. 

I contacted Barclays thru web chat. The agent just apologized and told me to contact XXXX XXXX. There is no substantial information she can give me on XXXX Companion Ticket restrictions and I am confused why I should contact XXXX XXXX. 

I also asked to report the issue and to provide feedback, once it is clarified. The agent did not commit to give me feedback. 

I am paying {$79.00} a year for a benefit which I dont seem to be able to get any information on. Sounds like deceiving advertising to me

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 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Recently my parents gave me two checks for a few XXXX dollars. One from a joint account and one from my mother 's personal account. I deposited them to my Chase checking account. Shortly after, I tried to use my debit card, and it declines. I call Chase only to discover my account is completely restricted as the deposit had been automatically flagged for potential fraud. Keep in mind I am a full-time college student and this money was going towards paying rent, gas, and food. I have called Chase multiple times to try to clear the restriction, every time they say the same thing, their system is not showing verified phone number for the maker of the check. Apparently, they need to call the maker of the check to verify. Now, my mother has her personal phone number on these accounts, and I can not see a single reason the number wouldn't be verified. Every time I ask what we can do to verify this phone number, they say there is nothing I can do, their system has to verify it. Honestly, they have been absolutely no help in resolving this issue, in fact they say the funds will be completely held up until the checks are verified as not fraudulent, if not, they will keep my account restricted for years until they finally close it, then the money is returned to the state. It's completely ridiculous. They say there is no other way to verify the checks, which is hard to believe. One of the accounts the money was sent from is also a Chase account, which has been open for many years, and they still can not verify it. The other account is a XXXX XXXX account, and my mother called them to find that XXXX XXXX had absolutely no problem clearing the checks, and Chase should have the money. Chase means to hold these funds hostage with no clear way to unrestrict my account. Meanwhile, I have classes to worry about, and rent is upcoming. The process for verifying the check seems simple but has caused me nothing but problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this collection agency. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

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