vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I noticed that you all are reporting this bankruptcy on my credit report that XXXX not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to TransUnion and XXXX and received a stall letter stating that the letter came from someone I was working with.

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 2022-12-16 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: PA

Complaint narrative:
XXXX Equifax stated that XXXX XXXX and Equifax verified that this account belongs to me, and they have again for the XXXX time modified the information on my file regarding this account. The balance, past due, actual payment, scheduled payment, date of last payment, and portfolio status is constantly incorrectly modified. 

On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I requested Equifax for " Validation '' of this account not " Verification '' of my name, address from XXXX XXXX which is an account that does not belong to me that they are displaying on my credit report. Not only the account does not belong to me, but the account has also been paid in full as agreed ( See document verification ). This is not a collection account and there is no negative balance. I have spoken and mailed certified Equifax and XXXX XXXX myself several times and they both have not been unable to provide me validation. Instead, Equifax keeps altering the information ( amount due, balances, account status which has occurred over XXXX times. If Equifax verified this account, the information should not have been altered and different each time which occurred XXXX times. 

Furthermore, not only this account is not mine this collection must be deleted, because I " paid in full as agreed. '' By law, its required to delete this account and XXXX agreed to delete all references to this account per agreement ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Inquires on credit report that I don't recognize nor approved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
card is set up on autopay has been for about a year. all of a sudden in XXXX the auto payment did not go through, and i got a late fee. I called capital one and they say they have no information as to why it didn't go through, I told them it's a bank error but they are saying it must have been something you did. I'm telling them I am looking at the online banking now and i still see that its on autopay so how is it something i did? XXXX went through perfectly but not XXXX? i am asking for capital one to fix this bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have had a checking account with Chase for 23 years. Last month they started charging me {$25.00} a month in Service fee. I called and complained about the new fee and was told in order to avoid the charge I needed to have {$15000.00} min balance or setup automatic mortgage payment. I have had my mortgage with chase for 12 years and have never been late. Chase bank refunded the charge, but then put the charged it again the next month. I called again, but was told they would not reverse the fee. When I opened the account there was no minimum balance or fee for not having automatic mortgage payment. When I went to the branch in person I was told there was nothing they could do, would not refund the fee a second time and I was told to close my account if I wanted to avoid the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX a total of {$24000.00} was stolen from our ( XXXX XXXX and XXXX XXXX XXXX ) Chase Bank Account based in XXXX XXXX, CA through wire transfer fraud whereby these funds were wire transferred to XXXX XXXX XXXX XXXX of XXXX Florida without our approval or authorization. The description of the wire transfer was for the purchase of XXXX XXXX automobile. We did not order, or purchase a XXXX XXXX in XXXX of XXXX nor has XXXX been transferred, shipped, or delivered to us. Contacting the alleged seller they have no knowledge of this transaction, and did not receive a wire transfer. This fraudulent activity was not approved and was direct theft due to identity fraud. Our Chase bank account was " hacked '' and compromised and funds were illegally wire transferred to this unknown, unapproved account by a criminal 3rd party committing interstate wire fraud. Chase bank allowed this transaction to be processed despite the initial blocking of this transaction and our statement that we did not approve this transaction, and our demand to lock the account. 
The attachment indicates that the Chase had blocked the fraudulent wire transfer on XX/XX/XXXX pending the security review. At that time we believed our account was locked and protected. After the XXXX of XXXX additional attempts by the hacker thief/criminal were allowed to result in an unauthorized wire transfer ( via XXXX, and domestic wire transfer ). We had responded to Chase email inquires questioning if these transactions were authorized, and in every instance we stated that non of the transactions were authorized and that the account should be locked. Chase failed to lock the account, and allowed fraudulent wire transfers to be made despite clear indication that they were fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: ID

Complaint narrative:
I reached out to Experian to get an understanding of why our XXXX XXXX XXXX son received a Your Dispute Results report from Experian, when my husband ( father ) and I don't believe there should have been anything on his credit report to dispute. We wanted information about what Experian had about our son. 
I was unable to reach anyone by phone, so sent a certified letter requesting information, included the report they sent to him, my social security card, my son 's social security card and his birth certificate, my phone, email and address. 
Experian received the letter on XX/XX/2022 and has not responded.

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 2022-12-16 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: IL

Complaint narrative:
XX/XX/2022 equifax furnished a medical collection on my credit profile and that is a violation to the HIPPA privacy law and I want that collection deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. Payment was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. Two different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of 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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Problem first happened on XXXX XXXXWas trying to get a loan.A person put money in my account and told me to get him a XXXX XXXX XXXX XXXXSo I figured it was his money well this person reversed the charges on my account.Chase bank won't close the account and now it's up XXXX I have been to chase bank a number of times to see bank manager only to learn he's off.I have reported them to the attorney general.I have a learning disability.My account was hacked.Bank said all my claims have been denied.So at least XXXX  has been reversed to me.Im hoping you all help me.Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. ( LATE PAYMENTS ) 15USC 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't furnish an 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 purpose. 



In accordance with the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 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't furnish an 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 purpose. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 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't 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 purpose. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 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't 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 purpose.

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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Federal Trade Commission Report Number : XXXX Its unclear when my identity was stolen due to me sleeping by my boyfriend at the time home. 

I discovered what happened when I pulled my credit report due to him often stealing others identity. At that time I was afraid of him and believed he will harm me if I indicated his name. So a report was never filled. 

New information? Yes, his name is XXXX XXXX. He has also stolen my money from me in the pass. 

I sent him XXXX XXXX XXXX to return an item and he informed me that the cashier returned my money back to my debt card. When my money didnt come back in my card I contacted the store. The store manager pulled the tape and stated the cashier he requested a cash refund due to it being a debt purchase and put the money in his left pocket. 

She even sent me the video through text. 

Capital One - credit card account number XXXX. I dont know anything else about this account besides what I see on my credit report. 

Ive been requesting that Capital One provide me with proof on this account however the account keeps getting transferred to different collection agencies. 

It was with XXXX XXXX XXXX to Capital One, and now its with XXXX XXXX. This is insane. 

Ive requested that they provided me with verifiable documentation that the Capitol One credit cardaccount number XXXX was reporting accurately, and that my federal rights have not been violated. 

Ive requested that they prove that the account was in fact due for payment on the following dates the entire years of XXXX, XXXX, XXXX, XXXX, and XXXX. 

Ive requested that they prove that the owner of the accounthad legal right to report these payments as late without a monthly payment amount. 

Ive requested that Capitol One have this accountremoved and stop and decease all negative reporting to XXXX, and all credit bureaus. 

Ive requested that they contact the national credit bureaus and have them delete this account from my credit report immediately. 

Im requesting that Capital One delete this account off my credit report if verifiable information couldnt be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
According to my credit card statements, I have been retroactively charged a higher interest rate on old balances. My old balances should only be charged the interest rate which was being used at the time the purchases were made. 

A 2009 law specifically bans retroactive rate increases.

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pharus Funding LLC
State: TX

Complaint narrative:
I received information form my XXXX XXXX XXXXXX/XX/22 that my checks will be garnish for a debt in the amount of XXXX. I contacted the number provided to me and this debt is from 12 years ago from XXXX XXXX XXXX. I never received any letter advising me to go to court. I provide a police report that identity was stolen. I do not feel I have to pay this debt when XXXX not sure if it what I even got. I have no paper work saying what its for and why. Please assist with this matter. My checks will be garnish for something over 12 years.

Company response to consumer: Closed with explanation