vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX and Chase Bank closed my account due to being a risk after multiple fraudulent charges that were not mine after I used their fraud department and they paid out on the charges then closed my accounts. XXXXXXXX XXXX XXXX  ( XXXX ) then XXXX  XXXX XXXX ( XXXX ). The monies depositedwere from XXXX XXXX and my monthly XXXX deposits. I was part of the Federal Government XXXX in XXXX. And the XXXX XXXX hacks as well as the XXXX XXXX. And XXXX XXXX hack after XXXX of XXXX. Recently the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-04-08 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CO

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from 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 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a personal loan thru citibank application XXXX, my loan was denied and I waited for letter to let me know reason. The loan was denied because according to citibank I have a fraud alert on my XXXX report. I called XXXX they said I have NO alert on my credit. I called citibank they claim I still have alert? I Called XXXX again they said I dont have alert on file. Citibank requests i reapply for loan system wont allow me because it still shows above application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Dear Sir or Madam : I am writing to inform you about fraudulent credit card charges on my Barclay 's business credit card. There were 26 fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/2022 and ending on XX/XX/2022. On XX/XX/2022, I reported this to Barclays immediately upon recognizing the fraud charges. 

I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX  XXXX ). 

Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving 10 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), 7 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), and 6 charges on the same day ( XX/XX/2022 ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. 

My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I have called for 8 days in a row and my account still shows all of the fraudulent charges present and the balance due this month does not reflect removal of these charges. 

I am a XXXX that began my house call practice as a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This Barclays card is my primary business credit card which I place XXXX XXXX+ in business charges on every year for my XXXX XXXX  expenses. This fraud has put my business at risk and Barclays has not done due diligence to recognize and prevent this illegal activity, nor has Barclays provided a timely resolution and correction. 

I welcome a representative from CFPB and Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the 26 charges totaling {$12000.00}. Please investigate this matter and help me to correct the billing error.

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 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have sent these companies two rescission documents, with all proof of the fraud in the contract they mislead and coerced me into endorsing. XXXX XXXX XXXX and Ally financial never received nor have I ever signed power of attorney over to them. XXXX XXXX XXXX committed fraud by registering my car without my permission. XXXX XXXX and Ally never provided me with the right to rescind documents which is against the law and a violation of my rights as a consumer. I have provided all necessary documents in attachments below.

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
XX/XX/XXXX ' a collection was assigned to a charged off amount that was " owed ''. 
This account was a joint-account with a former roommate. The amount initially agreed to was approximately $ XXXX dollars - half of the amount, since this was a joint account. No direct-communication was made after XX/XX/XXXX. 

In the most recent credit report from XXXX, it now states a balance of {$1300.00} -- and that 49 % paid off. In which both entries are 1. ) inaccurate 2. ) Completely false.

A screen shot of email dialogue between the original furnisher : XXXX and or " internal '' collections of original debt -- states an actual amount due ; approximately $ XXXX {$590.00}. 
The email was uncovered, A screenshot was taken, the black and white pdf was uploaded onto the credit agency 's website. 

In XXXX of XXXX, a follow-up call was made to XXXX 's customer service. A new dispute was filed regarding the inaccurate amount, the agent documented and- retrieved the uploaded document. The collection item, was promptly updated -- within 24-36 hours with the revised amount. 

XXXX month later, the item resurfaced -- I was never notified of the action taking place on my account. No letter was ever sent to my address; indicating the updates, and or the actions that took place with the customer service agent. 

It has now been approximately five years since the item was sent to the collection agency ; IQDATA. Origins of the debt is furnished in a state I no longer reside in. 

I never signed any agreements, or made direct contact -- aside from disputes through the credit agency 's, for the inaccurate amount that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC
State: CA

Complaint narrative:
Rock Creek Capital LLC. Is practicing predatory and fraudulent collections practices.

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-08 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-04-08 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-08 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-08 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: VA

Complaint narrative:
I applied to XXXX bank for a Home Equity Line of Credit on or around XX/XX/2022 ; however, the XXXX bank was unable to pull my credit report. The Error Code was J. I also tried to sign up to myequifax.com to get my free copy of credit report ; however, couldnt sign up since I got an Error Code NH. Beginning on or around XX/XX/2022, I have called Equifax Customer Care for about 20 times and a few times even with the XXXX Bank Manager also on call with me ; however, nothing was resolved. I sent an email to XXXX XXXX XXXX, CEO of Equifax on XX/XX/2022 and having received no response sent another email to XXXX XXXX on XX/XX/2022 but havent heard anything back from XXXX XXXX or his office yet. In response to an advice of customer care, I sent a copy of my Drivers License through USPS mail on XX/XX/2022. Subsequently, again in response to an advice by customer care, I sent a fax to Equifax on XX/XX/2022 and submitted copies of my Drivers License and W-2 with a request to resolve the issues related to the Error Code J that the lender encounters when trying to pull my credit report and the Error Code NH that I encounter trying to sign up for myequifax.com and requested to release the information to the creditors. There has been no progress or resolution till today. The Equifax doesnt even acknowledge the receipt of my fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed an item with JPMCB through the CFPB ( consumer financial protection bureau ) in XXXX XXXX, and the company stated the investigation was closed and the company stated the results would remain. I am providing documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Thayer Properties Inc. DBA Residential First Capital
State: CA

Complaint narrative:
My company, XXXX XXXX used loan servicers XXXX XXXX and XXXX XXXX at Residential First CapitalXXXX XXXX XXXX, CA for servicing a debtor. 

We were successfully paid off by the debtor and the money ( {>= $1,000,000} ) was wired to Residential First Capital 's bank account. 

Residential First Capital has refused to wire over XXXX 's cash unless I sign a waiver to release all claims that I may have against them for servicing the loan and I pay XXXX XXXX {$6000.00} in consulting fees. XXXX has no right to deduct any such fees from this money, but the bigger issue is that they are tying the handing over of my cash with this release of claims waiver. They are attempting to blackmail my company and hold it's cash XXXX unless I sign this waiver. They have made their demands via email ( see attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
Pronto Finance The company had my wages garnished, and the total amount was paid in addition to fees. They continue to report the account as a NEW Account each month when it is NOT a new account. This is a violation of federal law and regulation. I do NOT have a new account with this organization, and the creditor violates anti harassing law. I am demanding that this abuse and tactic be investigated. I will escalate the issue to a higher federal authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-08 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:
I would like to request the suppression of this item from my credit report. The company has no agreement & is potentially fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. Is practicing predatory and fraudulent collections practices. 

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.

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