vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: IN

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. ( XXXX  XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-13 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: MA

Complaint narrative:
Hello! 

I have recently been made aware that someone stole my identity due to owing a balance on my XXXX taxes that I originally did not owe when I filed. The person allegedly made {$18000.00} in Sales via the XXXX app, and used my name. They spelled the name incorrectly, and I just want to make sure I am covering all my bases. I have contacted all the credit bureaus and have filed/alerted identity theft as many places as I can. I filed the alerts today on XX/XX/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 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was using Venmo buy and sell goods..i wasn't doing anything wrong that i know of all the sudden they froze my account with no reason why i still have XXXX in the Venmo account they will not unfreeze it so i can get the money out..i am a XXXX  mother  of XXXX boys i don't have a job and i depend on that money to pay my bills and buy food for my kids..i wasn't doing anything that went against their rules..i have emailed them spoken to them chated with them and they will not give me a reason why..the permitly desactived my account with my money still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX Jpmcb card service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens Private Client Money Market XX/XX/XXXXDeposit {$310000.00} Total : {$510000.00} Made this deposit in XXXX and was told that our rate would increase from the XXXX XXXX XXXX 1 % to the XXXX XXXX 3 %. 
Hasn't happened. Been to my local bank twice to check on any progress ( NONE ), and was assured that the 3 % rate would be retroactive to the XXXX deposit date ( hasn't happened ). This is all completely unacceptable. Also, I missed by a day a promotion increasing the XXXX XXXX rate from 3 % to 5 %, because I had no notification in advance. 
Unrelated, I had to catch a deposit error leaving {$600.00} off my checking account. Not sure if the bank would have caught the error. 
Was sent a bank-rating questionnaire and mentioned the interest-rate issue. Never heard back. 

Correct this immediately, with the retroactive interest. 

Contacted Citizens Bank and was told the " promotion '' offer of 3 % was not in effect in XXXX ( local branch assured me it WAS ), but since then no interest increase has been applied to my account. It is now XXXX and the Bank 's rate is now 2.96 %, yielding 3 % annual, NOT affecting my account 's 1 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a Capital One savings account. I sent 4 checks to Capital One from another bank so the money could be placed in my savings account. 

XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$9500.00} ( I stopped payment on XX/XX/13 ) XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$4700.00} ( Capital One cashed the check ) All of the checks had my account number on the check as well as my full name. Capital One cashed three of the checks and I have images of it. I called and spoke with XXXX people at Capital One and the response was we don't see the money, we don't make mistakes and you'll have to figure it out ( open an investigation ) with the bank who sent the money. Capital One has stolen my money and won't admit that they have it. I opened an investigation with the bank who sent the funds for me and I even had the originating bank call Capital One with me and Capital One said " we don't make mistakes, we didn't cash the checks ''. I am working with my other bank to try and get my money back, but Capital One is not helping and I have proof they have my money. Their business practices are dishonest and I will be closing my accounts as soon as this is all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an offer to apply for a Chase Sapphire Visa card. I have been a longtime customer of Chase and decided to apply for it to replace my XXXX card. The application was immediately declined so I called to see what the issue was. The gentleman said you already had a Sapphire card, and you can not have 2. I told him I did not have a Sapphire card, I had a JP Morgan Reserve card years ago, the product was canceled, and Chase opted me in for a Saphire card. I have possibly used that card 1x in the last 3 years as I primarly use XXXX. The rep said he could change my card product to a Chase Flex card. I told him that would be fine. After I went through all of the disclosures, he transferred me to another department to discuss the application. The gentlemen I spoke with there said my application was dead and was never processed due to having the Saphire card, now that I no longer had the card, i would need to reapply for the one I wanted. I did that online and it was declined again. I called back for a third time and was told I never should have applied a 2nd time and that the prior agent was wrong. I was then transferred to XXXX in the reconsideration department who told me that I would have to wait 2-3 billing cycles before I could reapply. I told him I would keep my business with XXXX. He did nothing to remedy the situation or attempt to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have received several phone calls claiming to be working with federal government to reduce credit debt. They know my approximate debt amount, last XXXX of social. They offer help via XXXX XXXX to help with debt... I was supposedly flagged for the benefit. I told them not interested, not to call any more, and that I died XXXX  days ago. His response stop lying, at which point I hung up. I usually don't answer phone with unknown numbers, but have some incoming calls related to my XXXX XXXX health that I need to take. 

I suspect the call is coming via a credit bureau to know what they know. I have frozen my credit so that only I can access. I use Credit Karma to track so they are likely culprit. Numbers that have call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are from this month. I have not called them back and I did not answer all of the calls. I captured the numbers via caller ID. And you see the common theme with extension. It was the same person that I spoke with for the first call and the last. 
Thank you for any assistance. I'm very concerned with the information they do have and not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Theres 2 inquiries on my credit file I dont recognize and I didnt authorize them also theres a address on my credit file I dont recognize I have never lived there and I would like it to be removed : XXXX XXXX XXXX XXXX OH XXXX Credit inquiries : 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 non-monetary relief
Consumer complaint received 2023-05-13 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: IL

Complaint narrative:
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. 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 2023-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-13 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: IN

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. ( XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a message about possible mismanaged bank accounts from wells fargo bank for several years, and I banked with them for many years and I was charged many fees and remember being told about data breaches.

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 2023-05-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: DISCOVER BANK
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I recieved an email from Bank of America saying an account was open but denied with my email on XX/XX/XXXX. 

Their contact is almost impossible to get ahold of but who ever I ended up talking to after an hour on hold wouldn't help me and asked for my social which is a red flag according to their site. I just want that account closed as experience stated they used my social

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 2023-05-13 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: FL

Complaint narrative:
good afternoon dear agency, someone stole my documents and opened several accounts in my name, but this person was unable to use the credits he opened in my name.Please remove them inquiries on my credit

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 2023-05-13 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: FL

Complaint narrative:
good afternoon dear agency, someone stole my documents and opened several accounts in my name, but this person was unable to use the credits he opened in my name.Please remove them inquiries on my credit

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 2023-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is not a complaint. This is a claim concerning fraudulent claims made against me by Capital One. I have a capital one platinum secured credit card. The credit limit is {$500.00}. I put the {$500.00} on the card myself. They have purposely reported incorrect information that has caused my score to drop tremendously. I paid off the full balance on XX/XX/2023. The end of the billing cycle was XX/XX/XXXX. Capital one reported that I still owe a balance of {$460.00} after the end of their billing cycle and that caused my score to drop XXXX points. I don't understand how it could even drop that much, even if I had not paid the balance. However, I paid the full balance on XX/XX/XXXX and capital one did not report that pruposely I can only assume. I spoke to a representative on the phone on XX/XX/XXXX and the representative told my that XX/XX/XXXX is the end of the statement cycle and that I should soon see improvement on my score. The representative did nothing to fix it at that time. Then I notice today XX/XX/XXXX that my score has dropped XXXX points. I call Capital one today and ask to speak to a manager the manager lied and told me that today is the end of the statement cycle and still did nothing to fix the reporting issue. My score has done nothing but drop since I signed up for this card. XXXX points in total according to XXXX XXXX. All of this for a {$500.00} secured credit card, that I put own {$500.00} into funding. My score has never been this low and my goal is to build credit. Instead, I paid off the full balance and my score has dropped lower than ever because Capital one did not report that the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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