vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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: OH

Complaint narrative:
On XX/XX/XXXX. I was denied by XXXX XXXX for Cash Rewards XXXX XXXX XXXX. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( 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 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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This summer, Brooks Brothers transitioned my store card to a XXXX. I had a certain amount of time to accept the offer and then the old card balance would be transferred and a new XXXX would arrive. On XXXX XXXX, I tried to make a payment on my store card, which was due XXXX XXXX. The balance was XXXX out. No payment was due. My replacement card was supposed to be sent on XXXX XXXX. I have not received it. Nor do I have the full account number to access details on the automated system. Yesterday, I received a bill saying the XXXX payment was past due and I was levied a fine. I logged in again last night and, again, my balance was XXXX  out and no payment was due. I tried the number on the back of the card [ XXXX ] but that now funnels me into a line that says they are trying to collect a debt. I chatted with a customer service rep last night but that was no help. I do not know when I will receive information about the XXXX account, which appears to have been activated. And I can not reach a human being over the telephone. I took a screen shot last night that shows I am physically unable to make a payment. I should be able to make last month 's payment and future payments and I should not be charged a late fee or missed payment fee.

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 monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One has overcharged me on interest since I opened the account at a rate of over XXXX percent when the current rate is just over XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: AZ

Complaint narrative:
The account from XXXX that is being reported by TransUnion was previously challenged with the CFPB due to the UCC Article 9 violation law. The account was also disputed with XXXX and XXXX credit bureaus. As the attached documentation shows, XXXX recently deleted the account from XXXX. TransUnion was subsequently contacted and asked to also delete the account from all affected credit reports to comply with the FCRA. The request was not granted ; therefore, I hereby challenge TransUnion 's decision and request the CFPB to enforce the FCRA laws and require TransUnion to delete the account from XXXX immediately.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX my grandmother pasted away and we shared a bank account, my family didn't help take care of my grandmother, I lived and stayed with her for 4 years taking care of her. My family started abusing the legal system by lying and making stuff up. In the midst of all that Cadence Bank allowed unauthorized People access to our account which resulted in the loss of a total of XXXX dollars. I have tried and tried time after time again to communicate with this bank and it does no good what so ever, I am handled like nothing by these people every time I make an effort they are always rude, the company is XXXXCadence Bank XXXX XXXX XXXX XXXX AL XXXX '' My grandmothers name and mine were the only XXXX names on the account. please help me resolve this issue. I am tired of being run over by these people and have not been treated fairly at all .... please help. 


Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: FL

Complaint narrative:
Update my personal info, delete the accounts ' violating the FCRA and delete the unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account Dept of EdXXXX was opened on XX/XX/2011 and is already paid off and I recently asked for this to be removed but I did not receive any response.

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 2022-11-01 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: Nelnet, Inc.
State: NY

Complaint narrative:
MyXXXX XXXX was transferred on XX/XX/XXXX to Nelnet in the amount of {$8000.00}. On XX/XX/XXXX I paid Nelnet {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once Nelnet reports that the balance will fall off my report. However, I last spoke to Nelnet on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to Nelnet they state that they have reported to all credit agencies. The report is not reflected on my XXXX report. The Nelnet XXXX  XXXX  advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The XXXX stated that there is nothing they can do even though I have provided all the proof. Nelnet states there is nothing they can do because they have reported the XXXX balance. I am stuck between these 2 companies and need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
Upon checking my credit report and noticed multiple inquires on my credit report. When I started to read and learn about the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 



XXXX XXXX  XXXX XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  XXXX  | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 



Letter to the furnisher have been sent as well asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 



Please correct

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 2022-11-01 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:
XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from XXXX such as XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX Also I was hit with 2 more hard inquiries from Equifax the following XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've contacted Kohls credit about a late payment from last XXXX. My account is current with a XXXX balance. Most of the time it's paid off right away. I was XXXX last year with XXXX  XXXX and was not able to function correctly for over a month. Didn't realize there was a late payment until I fully recovered. All I'm asking is for the late payment to be removed on my credit report due to medical reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: MI

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. 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 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified USPS mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, LVNV FUNDING LLC, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, LVNV FUNDING LLC, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
An agent returned my call a few years ago from XXXX XXXX XXXX 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX  to please provide me with all records because they should not do this to anyone.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
An agent returned my call a few years ago from XXXX XXXX XXXX. 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX to please provide me with all records because they should not do this to anyone.

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 2022-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NV

Complaint narrative:
Every month NetSpend seems to say I have over taken money from my account but the statement show different to I have had 5-10 new cards sent to me because of charges I didn't make like now I have a dispute for XXXX dollars of charges that are not mine nor are the things charged are on my name and haven't got any thing back and was charged for another card which I should get on XX/XX/XXXX. I have an all access account and a prepaid XXXX account. They also never refunded my account from XX/XX/XXXX after the casino over charged me for XXXX dollars which they said they did give me but they never did nor dose my statements show it to they charge me fees but I pay a month service charge for the account to I have every card they sent me and documents showing proof yet nothing I just want all my money back. Been a customer since XXXX. My name is XXXX XXXX number XXXX and social security number 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 2022-11-01 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Capital Bank stopped reporting any update for my account on XXXX XX/XX/2022. 

I have contacted them on several occasions. They have repeatedly told me " we are updating our systems and will update your credit report in 45 days. '' 4 months later, still no updated account information to any of the credit reporting agencies I have made all payments on time and in full, even extra payments to make for an early pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XXXX XXXX, 2022, at XXXX XXXX  ET, I spoke to a XXXX at XXXX XXXX XXXX, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i wrote a check to charity on XX/XX/XXXX for {$500.00}. the payee never received the check. 
it was cashed on XX/XX/XXXX by someone else.the endorsement on the check does not match the payee of the check. i submitted a claim to chase bank on XX/XX/XXXX. i called jp morgan chase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inquire about my claim. claim number XXXX their response, each time was, we are waiting for the other bank to respond. 
chase should never have paid out the funds.it was their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01 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: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation