vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} PORTFOLIO account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX  account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have deposited few checks in my new check-in accounts and some other deposits. 4 of the checks i deposited is cleared by the bank however they put a restriction to my account and end up closing it without notifying me. I went to the bank to prove that those belongs to me. However, they still closed my account without give me any heads up and told me they will send me the money to my house but holding {$1000.00}. I received 2 checks each ( {$21.00} & XXXX ) from an attorney who was did my house closing. So those 2 check 's were issued to me to pay my credit card bill. In my previous claim chase said they return the money my attorneys bank. however, I reach out my closing attorney and they said they never received the money and the check were cleared from their bank. they will not issue a new check until the money is returned to their account. I rech out to chase couples of time regurding the issue. I went to a branch with the closing documents and copy of checks and they said they will not issue mw the credit instead will send it to the original issuer. I reached out to bank and filled a complaint on XX/XX/21. its been a year and i still haven't heard from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I own a small business and was looking for a credit card to consolidate some debt and transfer balance to from another credit card. I found the Capital One Spark 1.5 % Cash Select credit card which advertised : " XXXX $ annual fee and 0 % introductory APR for the first 12 months '' Underneath, it explains that the purchase rate is 0 % intro APR for 12 months, 18.99 % -26.99 % variable APR after that. 

I showed this online website to my business partner who agreed I should apply for this credit card as it allows for transfer up to XXXX with 0 % transfer fees and 0 % intro APR for the first 12 months ( so we both understood it to be based on description ). 

Lo and behold, upon the first statement after transferring XXXX from another credit card, there was a finance charge of {$72.00}. After calling customer service, I was informed that the 0 % APR for 12 months ONLY applied to purchases, not loan transfers. 

Me and my business partner both think this is misleading advertising as it does not mention that it only applied to purchases. After looking back now at the web page, I see that it says " Purchase Rate '' but I didn't understand what purchase rate meant, when referring to the 0 % APR for 12 months. I took it to mean what it costs to have a balance on the card, any kind of balance, whether it be by purchase or by transfer. 
It does not say that transfer balances are excluded from this 0 % APR offer. 

Capitol One went ahead and did a one time waiver of the finance charge but I still think it's misleading advertising and now I again have to look for a credit card that allows for transfer balances without exorbitant interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy XXXX, Bankruptcy XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX US DEPT ED # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: U.S. BANCORP
State: IL

Complaint narrative:
I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX  XXXX  account # XXXX Balance {$44000.00} XXXX account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX  account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX  account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.

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 2022-10-28 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: DISCOVER BANK
State: IL

Complaint narrative:
I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} XXXX  account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} DISCOVERBANK account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} CRDT FIRST account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MO

Complaint narrative:
Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.

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 2022-10-28 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: MO

Complaint narrative:
This is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/ReportedXXXX

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 2022-10-28 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - CARD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-10-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX Account name : XXXXXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : self/lead # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/16 Balance : 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 2022-10-28 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: MO

Complaint narrative:
Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.

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 2022-10-28 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: MO

Complaint narrative:
Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the Equifax data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : BankruptcyXXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - CARD XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Amex denied credit application

Company response to consumer: Closed with explanation