vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was opening a checking account online with US Bank. I got approved on XX/XX/XXXX. I submitted my form for the opening deposit transfer request, selecting credit card funding. An agent from US Bank called me and I gave her my credit card information to charge {$2800.00} as my opening deposit. I called a couple of days after to check if indeed my money was deposited to my new US Bank checking account and the agent I talked to confirmed. I called again to make sure the {$2800.00} counted toward the {$5000.00} that is required to deposit to this new checking account in order to receive the {$500.00} bonus that US Bank was offering. She said it didn't count because I used my credit card even though it was one of the options on the request form. On XX/XX/XXXX, I transferred {$2500.00} out because she said it didn't count. On XX/XX/XXXX, I tried to look at my US Bank account online and it was disabled. I called and they said US Bank closed my account. They still have my {$300.00} remaining deposit up to now, XX/XX/XXXX. They said it was closed because of suspicious irregular activity. I don't see anything irregular about the transfers that I did esp when it was only open a few days ( 13 days ) then they closed it. I think it's because they didn't want to pay me my new account bonus of {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in XX/XX/2022 I applied for a balance transfer from XXXX to Capital One. XXXX sent a check with not enough account numbers on it. The check was returned to XXXX from Capital One. During the months of trying to find the check there were 11 cases opened. In XX/XX/2022 I was told that I would not have any additional activity on my Capital One account and that I still owed the {$4600.00}. I agreed with this and paid this on XX/XX/XXXX I paid {$4500.00} from my checking account as a wire payment. It shows receipt on my statement. On XX/XX/XXXX, Capital One recharged me again the {$4600.00} which has already been paid from the XX/XX/XXXX payment. I have called Capital One over 20 times in the last six months to get this fixed. The most latest call was XX/XX/XXXX and I spoke to two different people and the call lasted over one and a half hours. They told me they would look into this and would get back to me in 7-10 days. Now today, I called and they say they have no record of this call and had to start the process all over today with me making the claim. This has continued over and over again the last six months. I would like this charge of {$460000.00} reversed so I can get on with my life. This has gone on too long without resolution. I can't even get the same person to call me back and I have to start all over explaining the situation with every call I make. Many times I call and they disconnect me so I have to call again and start all over explaining the situation. This needs to be resolved please. Thank you. XXXX XXXX XXXX. This complaint is against Capital One Credit Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 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:
When I was at camping world a week or 2 ago I was speaking with a sales associate about potentially buying a RV. I asked numerous times ( at lease 3 times ) if it was going to be a hard inquiry on my credit to which I received the reply I just talked with our finance director and he said its a soft inquiry. I check my credit about a week later to find multiple hard inquiries on my credit. They said because I signed a piece of paper I have them permission even though I was told numerous times it would not be a hard inquiry on my credit. They originally said I talked to 3 different people who warned me ( even though I only spoke with 1 individual ) that told me they would pull my credit, then they switched the story to well inform the employees at the location not to use the terms hard/soft inquiry. Obviously they talked to their salesman and found out he told me it was a soft inquiry and are trying to cover themselves. I have email proof from camping world. I also have witnesses that heard the salesman say it was a soft inquiry not a hard inquiry. I would like to have them marked as a company who runs credit without asking as well as have the hard credit inquiries removed from 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 explanation
Consumer complaint received 2023-07-31 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: OPORTUN FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX there was a fraudulent charge on my account in the amount of {$180.00} from XXXX XXXX. I noticed the charge on my billing statement when I checked the account on XXXX XXXX and placed a call to the issuer immediately. I can assure you, I have NOT authorized this charge. The issuer is Oportun and the account that the fraudulent charge occurred on ends in XXXX According to customer service representatives, the card has been cancelled. However, it is currently XXXX XXXX  and this charge still has not been removed from the statement. Oportun refuses to supply any written form of documentation that I have notified them of fraudulent activity ; even though I have placed numerous calls to them and requested confirmation in writing. The only action they have taken is to issue me 2 new cards, which I refuse to activate until Im reassured I can trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I ordered a new card this year after receiving a new card with same numbers my info was somehow stolen some one has been using my card info to make transactions and withdrawals since XXXX of this year and the credit company told me I can only file up to the date of XX/XX/XXXX or this company only accepted one transaction out of multiple transactions and withdrawals that I could only report before XX/XX/XXXX. I heard that if fraud is reported there shouldnt be a time frame on what I can and not report. This company denied me XXXX times when clearly both withdraws I am on the the other side of town and XXXX of them was at XXXX am the other I was at XXXX and the withdrawal was across the city. Also I have more withdrawals and transactions to report but they gave me a time period on what I can report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

The letters are stated with items and issues.

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 2023-07-31 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: LA

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.

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

The letters are stated with items and issues.

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 2023-07-31 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: AL

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.

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 2023-07-31 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: OH

Complaint narrative:
I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score? 
3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: LEXISNEXIS
State: AL

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. 

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-07-31 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:
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 : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, This is regarding the closed claim # XXXX filed on XX/XX/XXXX with Comenity Bank XXXX XXXX XXXX XXXX credit card issuer. I see that the bank responded with the following message via your website ( I never received any letters or notifications from them with any explanation before I found their response here ) : 1. " We received your payment of {$95.00} on XX/XX/XXXX ; however, since it was paid on your old account ending XXXX, the payment didnt apply to this account and was returned to your bank on XX/XX/XXXX. '' - I never received any {$95.00} back on XX/XX/XXXX - this NOT true. 

XXXX. " We've issued a refund check for {$77.00} '' - it was received but no explanation was provided. 

XXXX. I had to pay an extra {$170.00} on XX/XX/XXXX, to close the account, so they wouldn't be reporting me as a delinquent account. So they charged me TWICE, actually- on XX/XX/XXXX and XX/XX/XXXX. 

4. " Weve reviewed the relevant telephone calls, XXXX XXXX XXXX correspondence, and the disputed information. We found instances where your concerns were not addressed and the account wasnt serviced to our standards. Please accept our apology. Were committed to providing the best customer service and are disappointed when this standard isnt met. '' - Their customer service was the WORST nightmare ever. I've never experienced such an unprofessional handling of an issue in my life that was going on for almost 7 months! Because of this situation, my credit score was at the XXXX point and went XXXX to a XXXX XXXX  I was stressed out, had health issues, and had XXXX for several months due to this situation. 

Thank you and I hope you will be able to forward this information to Comenity Bank and inform them that I am NOT happy at all. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief