vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On my XXXX XXXX  credit card account with XXXX XXXX they reported late payments for XX/XX/2022 and XXXX of 2022 each showing 30 days late. These late payments are incorrect I made minimum payments of the amounts requested and the dates requested. When I referred back to the billing statements it shows the payments were made.

Due to code 15 usc 1666 ( 2 ) ( b ) they need to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NV

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, XXXX making this complaint against IQ DATA INTERNATIONAL for committing identity theft. I have NEVER given IQ DATA INTERNATIONAL any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have NEVER received any type of documentation requesting validation from IQ DATA INTERNATIONAL what so ever before they committed multiple violations under the FCRA and the FDCPA. IQ DATA INTERNATIONAL is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If IQ DATA INTERNATIONAL can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IQ DATA INTERNATIONAL can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IQ DATA INTERNATIONAL continues its collection efforts, I will file for litigation for actual damages caused and IQ DATA INTERNATIONAL will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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 — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: CA

Complaint narrative:
I disputed charges made in XXXX XXXX that were fraudulent. I also recently had found fraudulent accounts, addresses and phone numbers on my credit files. I'm in the process of sorting those issues out right now. I am filing a police report regarding this situation and contacting this company as a last resort. I went directly to the creditors and credit bureaus and have only had partial success resolving my disputes. I recently just received a denial letter from Self, saying that the transactions were verified, and I am responsible for them. 
Totaling an amount of {$460.00}. Dated XXXX XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting XXXX account XXXX XXXX payment account as verified. I have attached and have shown them as well the mistakes they made! I was never late and they have listed me 30 days late in XX/XX/XXXX and then 90 days late in XX/XX/XXXX... HOW CAN THIS HAPPEN??!!

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 1681 section 602 A. States I have the right to privacy.

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 2022-09-26 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: FL

Complaint narrative:
To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX PL, XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Submitted check from Active Junky for {$1800.00} on XX/XX/XXXX in XXXX XXXX. 

Check was rejected as duplicate and {$5.00} return check fee was assessed. 

I contacted active junky and they said the check cleared on their end. 

I only submitted one check. There was no duplicate. 

Now my money is missing.

Santander needs to submit funds of {$1800.00} to my account, credit the {$5.00} fee and provide interest at the 10 % inflation rate for missing funds.

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 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened credit card account with BMO Harris bank in beginning of XX/XX/2022. XX/XX/XXXX, this year {$99.00} were returned back to my card as returned merchandise. 
But this company stole my money, they not reflected in any statements, neither current balance. ( Today is XXXX ) Help me get back my money please.

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 2022-09-26 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: IA

Complaint narrative:
On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Experian said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have 3 Citi credit cards : Citi Doublecash ( member since XXXX ), Citi Diamond Preferred ( member since XXXX ) and Citi Rewards ( member since XXXX ). 
This past XX/XX/XXXX, I was emailed a letter which I did not really pay attention to regarding my balances for Citi Double Cash and Citi Rewards. I have always been a great standing member and just recently Citi began providing my credit score to me as well. I have always received special offers and credit increases in the years i have been a member. In the past almost 2 years, I have purchased a home and a car ( major purchases ) affecting my credit which has taken a dip but mainly due to inquiries and adjusting for these purchases. Never has this affected my ability to pay my bills and I kept my balance at about 25 % of my total credit limit so well within my utilization. In XX/XX/XXXX, Citi reduced my credit limit with no reason except for my XXXX XXXX from {$7500.00} to {$1700.00} on my Doublecash Card ( balance : {$1700.00} ) and from {$6500.00} to {$2500.00} on my Reward card ( balance : {$1800.00} ). I called multiple times, spending about an hour plus on a phone call each time. On my final attempt, I was finally able to reach a supervisor. Each time I called, I would get hung up on while the transfer was occurring and this would happen after spending at least 45 minutes ( min ) on a call- very frustrating. No one would ever state a reason to me before reaching a supervisor and told me repeatedly, they could not understand why this had occurred. Finally, about 2 weeks ago, I was able to reach a supervisor, and they told me it was because of my credit score. Citi, upon its own random doing, took it upon itself to reduce my credit by thousands of dollar, for no real reason, damaging my credit score even further. Can you imagine if every credit company decided to do this to it's customers with no good reason? How damaging this is to the credit I've established? I want NOTHING more to do with Citi- they are discriminating. What exactly is their criteria for randomly making these so called " credit checks '' - I'd like to know. I consider this complete discrimination on the company 's part and how reckless of them to hurt their consumer 's credit instead of assuring they help. This is very damaging and I NEVER want to do business with them again.

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 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime provided emails XX/XX/2022 Monday, at XXXX stating my accounts were closed without my consent due to Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022, and stated the accounts were not comply with internal policies and/or the member agreement. I disagree with that decision given I have never did any kind of suspicious activity on my account ever. I use this account strictly for my direct deposit from XXXX XXXX, and the company refuses to acknowledge that a mistake was made in closing my account. I am seeing a lot of the same issues with others online stating chime also closed their accounts when they are not also committing any suspicious activity on the account to warrant a sudden closure. I've had several escalated cases submitted to Chime in hopes of a response time given to me of 24 hours. The company continues to ask for me to email a copy of my photo ID to send a check within 30 days however I can not receive a check at the mailing address due to mailbox issues with my complex thats been going on for 3 months. I am extremely upset with how this bank is handling business and a history of shutting down the wrong accounts when looking for activity. I have documents explaining every transaction on my account and deposits. I am not sure why Chime chose to close my account along with several innocent others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
On XX/XX/2022 I submitted a complaint concerning a problem with the credit reporting company 's investigation into an existing problem. Two accounts are being reported inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

According to the FRCA the term investigative consumer report means, " a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place. Although the investigation was said to be verified, a proper investigation was never completed. 

Furthermore, 15 USC 1681 ensures that all information reporting must be accurate. When provided with documented proof that both accounts in question are not being reported accurately, the company 's response was, " Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently. '' Is this to suggest they can pick and choose which laws to adhere to while dismissing others at their discretion? 

Additionally, I never gave the company written instruction to furnish said information as per 15 USC 1681b ( 2 ).

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Over the past few months, I have called Chase TWICE and requested they cease mailing me convenience checks. At the end of both calls, the agent CONFIRMED I would not receive the checks any more. Last week I received more checks and then today I received more! Im so frustrated. I dont want anyone to have an opportunity to steal and use these checks so I do NOT want to receive them. Please help me get my message across to Chase. 
Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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:
Hello, I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 

Your attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief