vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: AZ

Complaint narrative:
accounts opened without my consent and I have been paying for this for the last decade on my credit 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 2023-07-19 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: AZ

Complaint narrative:
accounts opened without my consent and I have been paying for this for the last decade on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: AZ

Complaint narrative:
accounts opened without my consent and I have been paying for this for the last decade on my credit 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened an account, XXXX days later, my account was closed for no reason, and I can no longer bank with Chase in the future. I had to force them to give me my funds. I asked several times why the account was closed, no one could tell me anything. I escalated the situation to the XXXX and the Chase executive office assured me they were going to investigate, but the executive office, literally said nothing. A lady by the name of XXXX, in the executive office ( ext XXXX ) told me she would contact me and gather all information from me and investigate. That was only XXXX business days ago ( XX/XX/2023 ), yet she has already responded to my XXXX complaint ( XX/XX/2023 ). Her response to the complaint was the exact same information that had already been told to me XXXX weeks prior. 
I would like to know what investigation occurred, and what information was gathered in a span of XXXX days. 
I would also like to know what why my account was closed, even after I was forced to contact you all XXXX times ( I have proof ) between XX/XX/XXXX XX/XX/XXXX, to verify my identity, just to have the account closed XXXX hours later and left me stranded with no funds. 

I would like for my account to be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 15 U.S. Code 1681s2 : 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. 
No consent was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2, it also states that a consumer reporting agency can not furnish an account without my 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 2023-07-19 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2, it also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: NJ

Complaint narrative:
I have reviewed my credit report and found items that I have no knowledge of. There are inquiries listed in my report that I believe were a result of Identity theft. I have attached a written letter of my complaints including the list of inquiries that I need to remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXXXXXX  and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 
I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX bill pay from Bank Wells Fargo to XXXX XXXX for {$9800.00} sent by a XXXX XXXX to XXXX XXXX account XXXX this showed up as a payee in my account which I did not setup. On trying to resolve with Wells Fargo fraud on the phone. I was told sorry you did it or you gave your info to someone who did it. Basically too bad. I got a hold of a supervisor who called XXXX. fraud to find out that account number has been closed due to bad activity. XXXX I was told W.F. has closed the investigation and will not return my funds. They have told me they sent me letters which I have never received. 
dealing with them has been a frustrating task people can not help and are always passing on to another dept. to start all over again. 
I believe the bank got hacked and my funds stolen, which they will not admit to.

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 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CapitalOne has baited me with the offer of {$300.00} cash back if I spend {$500.00} in 90 days with a credit card 3 times. Each time I apply for this card they deny me, which hurts my credit rating, and then in the denial letter make me a lesser offer with another card. No cash back but zero percent for a certain time period. This is a classic bait and switch operation. In the mean time, since my credit is very good I opened credit cards with several other banks because of their cash offers. My credit is very good and they should have made good on their offer. I have fallen for this bait and switch offer 3 times and they deny me the bait card and offer me the lesser switch card after the denial. I want to see them fined and I want them to stop using this practice. If they are going to offer it they should make good on their offer. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly. This is the SECOND ATTEMPT to get Portfolio Recovery Associates to follow procedures. ***Reminder : sending copies of a statement with a name on it does NOT constitute ownership. *** CFPB recently fined this company AGAIN for illicit collection practices, so it is evident my complaint is well-founded and based on established facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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 Account # 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 2, it also states that a consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit 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 2023-07-19 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: AL

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. 

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 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 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
In 2022 BSI Financial purchased my mortgage from XXXX XXXX to service my exisiting mortgage payments. 

I have never missed a payment and am set up from my XXXX XXXX  account to auto pay them on the first of the month. 

At some point I started getting a letter from BSI that I was not making my payment when it was clearly leaving my bank and posting on the BSI login page to my account.

They charged me {$25.00} for 6 months stating I had the wrong loan number.

I called them each time I recived the letter and the person on the other line said they recieved my paymnet and not to worry about it.

The next month I would recieve the same letter and make the same call to get the same reaction.

I then spoke with a supervisor and she agreed that they should be there but said she could only waive one {$25.00} fee in which she did I then recently recieved a call from a friend of mine and she explained to me the same senerio that the keep trying to charge her a fee every month.

This company does not respond and continues to steal peoples money. 

Please let me know if I can do anything about this XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX BSI Financial Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
There was recently a credit card opened in my name fraudulently that I did not apply for or open at all through comenity XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 with a {$4900.00} credit limit I have not received anything in the mail or have I applied for this card at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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:
I am writing to dispute the account referenced XXXX XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2023-07-19 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:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXX and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 

I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CO

Complaint narrative:
I have had now XXXX cards total with this company XXXX purchased from same store. Everytime they cancel out card and say something happened to it and have to order another then I have to transfer money from old to new card but since they cancelled card I can't use account to do a transfer I have to call them and they charge around {$5.00} they can never fix over line they have you on hold and everytime you have to get another card I received XXXX cards in XXXX day and they were both already cancelled and I never even registered them! now I have to wait to receive my check again till I get another card can't even pay bills

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