vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
XXXX. XXXX XXXX U Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-16 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: OH

Complaint narrative:
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 2023-07-16 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: Self Financial Inc.
State: NY

Complaint narrative:
I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. Self as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US . All my credit is in XXXX XXXX where I live and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have reported issues to retire money from atm machines at any banco popular of XXXX XXXX facility atm withdarwal limited to only {$200.00} intead of {$500.00} which is the XXXX XXXX  Popular makes this decision for no reason and never notifies me ; then it blocks the funds and I am not able to withdraw money from my account this is a very frustrating and embarasing situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX Acct. XXXX It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has 30 days late but in Actual Amount paid. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid. Fix or remove ab, it. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid show no data. How much did I pay .Fix it or delete it. XX/XX/XXXX has 60 days late. How could I be 60 days late in one month. XX/XX/XXXX show incomplete data fix it or delete it. 

Experian had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete 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 explanation
Consumer complaint received 2023-07-16 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: NJ

Complaint narrative:
Applied for Chase Amazon Prime signature visa card around XX/XX/2023 was promised {$200.00} signup bonus which was not issued. called chase on XX/XX/XXXX and was told to call XXXX, who in turn told me to call Chase, have contacted them multiple times but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: Sarma
State: FL

Complaint narrative:
Remove XXXX Hard Inquiries, remove this is not my credit card XXXX  XXXX Reported on XX/XX/XXXX, remove all Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX EFX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX HARD Reported XX/XX/XXXX EFX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX VA XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX  XXXX FL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX thank you for all your time and your help on removing these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
1. I am a totally XXXX person and I use a screen reader program installed on my computer, which allows me to interact with my computer. Screen reader programs are not only used by persons with visual impairments, but also Screen reader software is used by persons with reading XXXX, such as XXXX. Also, I am an XXXX XXXX, who specializes in assistive technologies for persons with visual impairments. I am intimately familiar with how various technologies interact, in order to ensure that persons with XXXX have equal access to information. 
2. The monthly bank statements are available to download from the banks website. The statements are in PDF format and I have been able to read the statements using XXXX XXXX XXXX software, which works with my screen reader. I have been able to read these monthly statements since XXXX and I save all of the statements on my computer, for reference purposes. 
3. As of the XX/XX/XXXX statement, I am no longer able to read the PDF statement using XXXX XXXX and my screen reader software. Something has changed with regard to the production of the monthly PDF statement, which has made it inaccessible to persons using screen reader software. 
4. Prior to contacting customer service, I performed extensive testing using XXXX different screen readers ( XXXX and XXXX ), on XXXX different computers, using XXXX different versions of XXXX XXXX. I wanted to make sure that there was not a problem on my end that was causing the issue. All tests had the same outcomeI was not able to read the PDF statement. 
5. I contacted the bank on XX/XX/XXXX and spoke with a customer service manager ( XXXXemployee # XXXX ). I described my issue to him. He was not even aware that some people must use a screen reader, due to XXXX. He was sympathetic to my problem and opened a ticket, which he sent to the XXXX  department. 
6. I received an email response from XXXX ( email attached ). He indicated that no changes had been made to the statements and that the problem was on my end. He stated that I should try using a screen reader, such as XXXX or XXXX or maybe a different browser. The browser that is used to download the PDF file makes no difference. 
7. I responded to XXXX ( email attached ). As of XX/XX/XXXX, I have received no further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US . All my credit is in XXXX XXXX where I live and work.

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 2023-07-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the XXXX XXXX All my credit is in XXXX XXXX where I live and work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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:
I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX  as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts.

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US XXXX All my credit is in XXXX XXXX where I live and work.

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 2023-07-16 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: ProCollect, Inc.
State: FL

Complaint narrative:
Kept getting calls from collections about charges ive never made, and its hurting my ability to get established credit. According to 15 U.S.C 1681 damages to my report is a defamation to character.

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 2023-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I have been making on time payments that I agreed with the company. However, the company continued to report late or no payments. I contact the company to resolve this matter, but they refuse to make the corrections. This matter prevents me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.

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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I ordered a replacement card from Amex, which they fedexed to me. The XXXX got lost. Now amex refuses to replace the card they lost. NOTE : this is in relation to my business gold rewards card NOT my XXXX XXXX  ( whose number I provided )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MI

Complaint narrative:
They sent out several duplicate cards and they all were activated on my same account from my payroll provider they allowed my money to withdraw from all card until my savings were all gone I submitted a dispute to have my funds returned and they have taking thru a lot of different steps and still havent received my funds and they are still mailing me different cards that are attached to my account. Please help restore funds to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: SC

Complaint narrative:
My XXXX check was deposited into my direct express account from XXXX. I started noticing lot of unauthorized charges on my account from XXXX ( XXXX, XXXX XXXX, and several surnames all XXXX ), these charges where constant some of them where back to back within seconds of the other. So I contacted Direct Express about this an disputed all the charges and ask that they block them from charging my account again. Yet not only didn't they not block XXXX ( as they said they would ) but continued to let more an more unauthorized charges be taking from my account! For XXXX XXXX  I made over a dozen different disputes, in which I had to do all kinds of crazy paperwork, and I had to pay for a new card from them everytime, yet out of {$4200.00} dollars total stolen from account from this merchant only XXXX, {$4.00} charges where every refund ( why only those I never understand ). I spent hours an hours on the phone with direct express customer service trying not only did they not fix it but I could get to get this fix, anyone to give me any answer that where even the same always something completely different from the call before. This completed devastated my daughter and I, being on XXXX is strict budget but having all this money stole out of my account made it were we could pay even our essential bills! I tried everything to get direct express to resolve the problem to no avail. I finally had to just stop having my check deposited with them because all until I stopped deposited my check in direct express in XXXX  they still continued to let XXXX constantly make unauthorized charges to my account, but never refund my money back nor did even bother to block them nor did they even care! I never would have thought Social Security would choose a bank like that, much less have choose for XXXX American 's such as myself, like having our own bank take advantage of us, leaving us even more disadvantage.

Company response to consumer: Closed with explanation