vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX CapitalOne/Walmart, has violated my rights. 
15 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 cann 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. 
Actions request : I would like payment update as agreed, not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TX

Complaint narrative:
I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - XXXX date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.

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 2023-06-11 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 believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.

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 2023-06-11 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: TX

Complaint narrative:
I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank closed my Sams Club Credit Card this hurting my credit score. Their solution the problem was to reapply for a new account, one again hitting my credit score, as they swore up and down that they could not reinstate my account. I tried paying off my credit card early and the payment bounced 3 times because synchrony bank takes 7 days to move money and they will only let me pay from my checking account, not a savings, so my funds are always fluctuating. Whats incredibly ridiculous is the closure of my account without any contact to me. On top of this they closed the account even though none of my payments were late or overdue, they just disliked that my payments bounced. I wasnt even overdue or late or anything of the sort. The entire situation is ridiculous.

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 2023-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have sustained weather related damage to my home in XX/XX/2022. The insurance company XXXX XXXX XXXX ) has paid for the repairs and has included the name of the mortgagee on the check. JP Morgan-Chase bank XXXX the mortgagee, has received the funds and has placed the funds in an escrow account. 
in a XXXX moment, JP Morgan-Chase refuses to release the funds to me. They stipulate that I fix the house first then they will release the funds. Well, I can not repair the house unless they give me my money to do it. 
I have gone through the process that they have in place but they still do not distribute the funds. JP Morgan-Chase sit on more than XXXX of my money. I am obligated to follow their process but they themselves do not do their part. They know that they are a big financial institution and there is little I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I got an invitation to apply for a credit card through Capital One that said will not affect your credit score and after I had done it it in fact did affect my credit score by over XXXX points and I tried contacting them asking them why they said it would not affect my credit score and still to this day I can not get an answer. I've searched through trying to find a way to dispute it to no avail and I just need help to get this off my credit report and give me my score back that I had prior which was over XXXX finally. So any help would be very appreciated.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: LA

Complaint narrative:
I confirmed with the credit card holder that I was removed as an authorized user on XXXX XXXX. Ive filed three complaints with Experian since I was removed as an authorized user yet theyve not removed this from my credit report. The complaints were filed on XX/XX/XXXX and XX/XX/XXXX this year.

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 2023-06-11 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: MS

Complaint narrative:
XXXX Credit  card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to XXXX reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially transunion went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
1. I want them to eliminate the fee which they charged to a closed account.

2. Correct this information with the credit reporting agencies.

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 2023-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
Servis One , Inc. DBA BSI Financial Services received my regular mortgage payment early but did not apply it on time and did not notify me that my payment would be late.

They received multiple checks in one envelope about a week before it was due.

They cashed all of the checks before the payment date. 

They applied the others that were in that same envelope but not this one. 

The person processing the payment could have seen that all three totaled the regular monthly mortgage payment but they did not. 

I am simply asking that they correct the late payment report My payment was made on time All my payments are made on time They did not apply it correctly. 

They did not notify me of any problem. 

This is a serious issue that probably affects many other mortgage holders. 

Please see if you have other complaints of this nature about BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account XXXX ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX Bank dated XXXX. XXXX, 2022. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!

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 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: NJ

Complaint narrative:
To whom it may concern, I am writing to you regarding file # XXXX. I have received a notice from P & B LLC claiming that I owe them a debt. However, I demand that P & B LLC validate this debt under the Fair Debt Collection Practices Act. 

As a responsible citizen, it is my right to ensure the validity and accuracy of all my debts. Therefore, I request that P & B LLC provide me with all the necessary information to verify this debt, including the amount owed, the original creditor, and any other relevant details. 

Furthermore, I demand that P & B LLC immediately cease all collection activities until they have validated this debt. Per the Fair Debt Collection Practices Act, I understand that collection activities can only continue once the debt has been validated. 

I expect your prompt and respectful attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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!!!

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 delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXXe Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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!!!

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 delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX  Account 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 explanation
Consumer complaint received 2023-06-11 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: NJ

Complaint narrative:
XXXX credit reporting has violated my privacy and rights, however they are reporting on my personal information ( court records ) which is wrong on what they are reporting Ive called the XXXX XXXX XXXX XXXX they have stated to me that they do not give any information about personal information or records, XXXX has not contacted me at all about this misinformation that they are reporting on my credit report ( court records ).

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 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I recently pulled a copy of my consumer report, and noticed that there was an account with The CBE Group Inc. I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: FL

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX  XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.

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