vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from capital one which was a XXXX XXXX XXXX  ended up losing my job the in XXXX. So I have several late payments that are not suppose to be on my credit report according to 15 USC 1681a1 under exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
They keep changing the amount due several times per month. Ive made multiple payments in one month, but none seem to go against the balance. Still the bills remain doubled ( even with consistent payments and early payments against the account ). Ive tried calling and chatting with customer service to no avail. The bill is {$18.00} per month and not a penny more or less.

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 2023-01-02 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-01-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX reported my payments history an Equifax still refusing to provide me a credit score went from XXXX to XXXX an it's wasn't my fault do they incorrect information in they system now they refusing to add self credit builder to my account when they mail them statements XXXX an XXXX credit report already up dated they system Equifax drop my credit score after the removed refused to add my account on my report giving me problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX, account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and XXXXXXXX XXXX  XXXX account # XXXX have all violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: GA

Complaint narrative:
Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed up for the Marriott XXXX branded credit card with Chase Bank. that promised XXXX Bonus Points when I speed {$3000.00} in the first 3 months ( I have the website image offer ). 

The points expire in 6 years in the XXXX program. 

I received the card and spent {$15000.00} in the first month, and {$4900.00} in the second month. 

I received in my XXXX account three offers of three 3-night stays of {$50000.00} each. While these total more than the XXXX points promised, the use limitation and expiration are a serious downgrade in value. They expire in less than 1 year and can not be supplemented in points or dollars to be used for XXXX nights in the hotel brand we frequent - the XXXX, XXXX, The XXXX XXXX, XXXX XXXX, etc. 

I have called and written and the XXXX reward department of Chase refuses to change the offer despite the proof of the offer image on the site from which I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/2022 I realized my my pre paid government debit card was stolen the day before on XX/XX/2022. I immediately called the XXXX and notified them my card was stolen. When I called the charges on my card were still pending and had not been processed. I asked that the transactions be stopped and was told that was not possible. I filed a claim for the charges on my card which are over {$1000.00}. I was told I would receive some paper work in the mail that I needed to complete to file a claim. I never received the paperwork. I called back on XX/XX/XXXX and was told that I could submit a claim by submitting a hand written letter via email which I did. When I called back a few days later to check on the status of the claim I was told my claim was denied. They would not tell me the reason it was denied only that I would receive a letter with an explanation. To this day still have received nothing from this company. I was told Im was able to appeal the denial by email which I did on XX/XX/XXXX. Again, when I called back a couple days later, to check the status, I was told it was denied again with no reason as to why and that I would receive a letter in the mail. I still havent received a letter. When I asked the person how they did their investigation I was they they dont know. When I asked, who would know I was told they didnt know it was the investigation department and they dont have telephones there and they dont know how they do their investigation, that nobody could help me and they ended up hanging up on me. I have called back several times and asked who I can speak to regarding my claim and each time Im told that the claim has been closed there will be no further action done on my claim and theres nothing more that I can do and I get hung up on. I sent an email on XX/XX/XXXX and XXXX asking to speak to someone regarding my claim and have received no response. It would be very easy for the company to request the signed receipts for comparison to my signature as they did not have my pin and used my card as credit which I didnt even know was possible. This would be an easy way to determine I did not make the charges. I dont believe XXXX XXXX any attempt to investigate the charges on my card had they it would be easy to see they were not made by me. It is absurd to me that I called and notified them my card was stolen while the charges were still pending they couldnt do anything about it but they refused to refund me. Not did they even do an investigation on who made the charges. I have called several times only to be told my claim is closed, there will be no further action and I will receive a letter in the mail. I also filed a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NV

Complaint narrative:
I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

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 2023-01-02 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

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

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: IN

Complaint narrative:
My mortgage was transferred XX/XX/XXXX from XXXX XXXX XXXX to XXXX. When I went to pay my monthly payment it had increased from XXXX to XXXX. I reached out to them and they said it was due to a negative escrow account. After getting my account information it showed that upon the start my account only had XXXX, making it go from negative to positive repeatedly from the start. At closing, on XX/XX/XXXX, I paid {$1000.00} towards my fall XXXX taxes and an initial escrow payment of XXXX to XXXX XXXX XXXX. My loan started with XXXX XXXX  XXXX and was bought later by XXXX XXXX XXXX in XX/XX/XXXX and is currently with XXXX since XX/XX/XXXX. I contacted the treasury department of XXXX XXXX and was able to confirm that the fall XXXX tax was not paid during closing and was paid later by XXXX XXXX XXXX in XX/XX/XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX in XXXX, IN ( XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Phone : XXXX ) at the end of XX/XX/XXXX and she said she would look into it. XXXX XXXX confirmed in the beginning of XX/XX/XXXX that she " wasn't sure how this happened but that I would probably need to be refunded. '' She said they would probably have to pay the mortgage company directly. I stated either way was fine as long as it got to my escrow account. It is now the beginning of XXXX and I have left multiple emails and phone messages, as she hasn't responded since admitting the error. I am at a loss of what to do or how this kind of error goes unnoticed when they surely have to see extra funds if they are did not pay the tax or apply the amount to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX my wallet and phone were stolen while in the process of moving. 
I had to quickly get another phone and reconnect everything on my end. 

Police wouldnt file a report because I left my car door open willingly. As stated Ive been in the process of moving. On XX/XX/XXXX there was a charge for over XXXX $ on my card from XXXX XXXX. I didnt notice anything and havent checked my statements until recently because I usually get notices through my phone when I have ANY type of transaction. 

I disputed the charge through chime over the weekend. On the XXXX. They DIDNT even investigate. It took them maybe a few hours and I got a notification that the dispute was closed on XX/XX/XXXX. They said XXXX on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. how? It literally took them no time to investigate anything. I tried Calling and they said I will need to wait another 30 days before I dispute again? 

So if we get things stolen and have any unauthorized charges we are XXXX? Awesome

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights. 

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

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

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 2023-01-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NJ

Complaint narrative:
I am requesting the original purchase agreement; I am requesting the original purchase agreement that shows I am the legal owner of this debt. Please include all terms and conditions that are included in this purchase agreement.

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 2023-01-02 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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Involved parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX CitiCards CBNA Citi XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and XXXX not responsible for account regardless. XXXX said they investigated it but informed me citi has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with XXXX in XX/XX/XXXX on citi bank account that I was authorize user on but not anymore. 

Got results XXXX XXXX said the account belong to me but it does not. 

Called citi XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and XXXX not listed on account, they filled a dispute to send to bureaus Called citi XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called XXXX XXXX XXXX XXXX did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying citi verified it was mine but when I called citi they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
the below information should not exist on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX CT, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Apartment complex

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 2023-01-02 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: DC

Complaint narrative:
In pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer report Equifax has violated my rights by furnishing 16 accounts without my written consent. This is my third attempt to remove these alleged accounts. 15 USC 1681n states any consumer reporting agency in violation of this subsection is liable for {$1000.00} per violation. 

Fed loan # XXXX Dept. Of EDU # XXXX XXXX accounts same number Dept. Of EDU # XXXX ( XXXX ) accounts same number Fair Collections # XXXX XXXX # XXXX XXXX # XXXX ( XXXX ) accounts same number US DEPT. ED # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts has been causing financial damage, Emotional Distress and these alleged accounts are defaming my character and no creditors will do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NJ

Complaint narrative:
these names need to please be removed XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX Name ID # XXXX

Company response to consumer: Closed with non-monetary relief