vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MD

Complaint narrative:
This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I canceled my credit card, after that I have a refund that XXXX made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called Capital One to update some personal information. Can I legally change my name in a XXXX, California court I sent them all my documents, a copy of my license, phone through the mail and do the Internet, since then, I havent gotten my cards Ive called them They stop my card even though I paid my bill every month. They say they cant verify my documents so I told him I cant verify my payment. I always paid both of my credit card accounts to Capital One. All I want to do is start my cards again get the right card name on my card info. And use Capital One. For some reason, their fraud department is giving me a hard time even though I gave them all the documents I have tried this three times please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX am, I received a text message from what I thought was Chase Bank asking about a purchase at XXXX for {$440.00}. I pressed " no '' and received a call from a woman claiming to be from Chase, asking about the same purchase.

To continue working with the supposed Chase representative, I was sent a link to login and verify my account. I assume this is how the fraudster had access to make transfers and see my transaction data. 

I told the woman I did not make the purchase and she sent me a code to authenticate the call. The call was dropped due to poor cell service. 

I agreed with the woman to continue the call in a half hour, after I was in a better area for cell service. 

After dropping my son off at school, I received another call from the woman, who began to review my account transactions with me. We noticed an unauthorized {$100000.00} transfer from my savings to my checking account. 

The woman asked me to validate my account by texting them a number. I assume this was the wire transfer verification number. 

The woman reassured me that she was working to stop the transfer. We received a text from Chase saying the money was being transferred back to my savings account. 

The woman instructed me and my wife to go to our bank. We arrived at the bank ( which had not yet opened ) and were still on the phone with the woman. 

When the bank opened, my wife and I spoke with a bank manager, XXXX XXXX, and handed her our phone so she could verify the identity of the woman on the call. XXXX asked the woman for additional verification numbers, but the woman refused to provide them. XXXX determined that the call was not from Chase and hung up. 

At XXXX XXXX, my wife and I were at Chase bank complaining about the fraud. The wire had not yet gone through. We filed a fraud claim with Chase and were told that our accounts had been frozen. 

At XXXX XXXX, the wire went through, despite XXXX having put a hold on our online account. 

My wife and I went to XXXX XXXX XXXX and tried to put a hold on the fraudulent wire, but were told to file a fraud claim with Chase. We called XXXX XXXX XXXX XXXX XXXX department and were told they were able to put a hold on the wire. XXXX XXXX XXXX told us that the money was frozen and that we needed to work with Chase 's fraud department to get it back. 

We then provided XXXX with the XXXX XXXX XXXX email for fraud communication to ensure that the funds were not released. 

By Monday morning, however, we went into Chase and found that the funds were released. 

We then filed a report with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: CA

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 explanation
Consumer complaint received 2022-12-26 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: MD

Complaint narrative:
This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: MD

Complaint narrative:
This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: Braviant Holdings, LLC
State: FL

Complaint narrative:
In accordance with the fair reporting act XXXX  account : Rise XXXX  XXXX  Account # XXXX Balance Credit Account # XXXX XXXX  card Account # XXXX USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.Due to Hurricane XXXX and my payments are scheduled on an auto pay as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Under 15 usc 1666b this is a billing error always paid on time this is an error which makes this account in violation.Also under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer 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 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Progressive sent a debt to collections for {$720.00}, which was the incorrect amount. I appealed several times that the Information was incorrect. Called progressive  and spoke with the underwriting department in regards to the issue and verified that the person added was rated for the XXXX XXXX XXXX XXXX XXXX XXXX at the time. Gave his drivers license number and the rep updated the information and stated the change would be put in and the new amount would be sent to the collection agency, who will then send me a notice of the new amount to pay. Between 5-7 days later of speaking with Progressive, the collection agency puts the account on my credit. I call them and ask why did they put this account on my credit when I had been disputing the account since they received it and I had just gotten the issue resolved less than 5 business days ago and they had not even given it 7 business days for me to get the notice they claimed was mailed out to me. It is now almost a month later and I have still not received that notice from the collection agency or the other notice they stated was sent out letting me know it was placed on my credit. I have contacted the post offie in regards to lost mail and it was not deemed lost, so I do believe neither one of those notices were ever sent out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: CA

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 2022-12-26 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: OR

Complaint narrative:
Under 15 usc 1666b this is a billing error, Ive always paid as agreed on time this is an error this account is in violation also Under 15 usc 1681a ( 2 ) ( A ) ( i ) Late payments are transactions and transactions are excluded from a consumer 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 non-monetary relief
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 168 XXXX XXXX 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 with out 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2022 a check in the amount of {$4100.00} was sent to Barclay Bank Delaware in XXXX. At that time, I owed {$4000.00} on the card. The check cleared the bank on XX/XX/2022 and was cashed by Barclay. I placed calls to them on XX/XX/2022, XX/XX/2022 and again on XX/XX/2022. My online credit card account was not showing the amount applied to my account. After multiple departments and wrong information, I was told to send in a copy of the cashed checked with the Barclay endorsement via email. I sent it on XX/XX/2022 attn : XXXX XXXX at XXXX # XXXX to the email XXXX. I have called every Friday since and they keep telling me they have not yet found my cashed payment and continue to charge me late fees and interest charges. They also continue to report me to the credit bureau as a delinquent account. I have called XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 for updates. As of today, XX/XX/2022, the representative said they did not have the email I sent and I should make additional payments. I am begging for help resolving this matter. I have all the correspondence I have sent to them, emails and the cashed check. Please help 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 explanation
Consumer complaint received 2022-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MD

Complaint narrative:
I wasn't made aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: KY

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING 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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: TX

Complaint narrative:
I borrowed {$700.00} in last XXXX. I was charged {$93.00} each week paying a total of {$1700.00} and also had 4 overdrafts fees in my bank. Rivervalley wanted more money from me and had an interest of 750 %. I stopped paying them in XXXX and they wanted more money and put me in collections. They are a tribal loan company and they have very bad reviews. I noticed when you look for their address you cant find it at all or even if you reverse phone number search. Also noticed I couldnt even find their license on XXXX search

Company response to consumer: Closed with explanation