vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
CashApp hasn't updated me in 2 years about the information I requested. I submitted a dispute about a random charge on my account of around XXXX dollars. They denied my claim and I wanted to see the information on why they denied my claim. Any information about their decision to deny me. I don't think it's fair that companies can just take money from you without giving supporting documentation on why with valid reasons. They even took settlement money that was sent to my account to cover the charges. I even have other charges included in the overall total which is outrageous. Why is my account being charged even if it's still in the negative?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I believe that Capital 1 is being deceptive in its credit limit calculations. Yesterday XX/XX/2024 I had two pending charges one from XXXX for XXXX from a rental car and {$250.00} from XXXX where there was {$200.00} deposit. My available balance was {$250.00} but the {$200.00} that did not get posted was not updated properly or reflective in my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XXXX I was sent a postal letter from Verizon/Synchrony regarding a 'Pre-Approved " credit card which would enable me to get a lower bill from Verizon. 

When I logged into the Verizon site there was a banner stating I was pre-approved for the card. I applied thru the Verizon site using the banner. 

I was denied. The reason was vague. I contacted both Verizon and Synchrony. No more explanation for the denial was given. but I was told to immediately reapply despite the rejection notice telling me not to reapply within 30 days. 

The reapply was denied. 

Verizon/Synchrony 's bait and switch offering a 'Pre-Approved " card to lower my Verizon bill is fraud, The lack of complete explanation of why someone with over XXXX on their XXXX score would be denied is very strange. The lie about reapplying is also fraud. 

These actions by Verizon/Synchrony is unfair and deceptive.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I noticed over 100 inquiries on my credit report, i called and spoke with several representatives with experian, they were rude and basically told me they could not remove inquiries even though it was clearly stated it looked like fraud and my information was on the dark web. They basically mocked me and refused to remove the 100 inquires that no one in their right mind would do. Somehow my information was used and inquires repeatedly submitted. Please remove the inquires that i did not do

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I told them that XXXX XXXXXXXX account was i identity theft on XX/XX/year> that the account did not belong to me the problem was not solved.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I told them that XX/XX/XXXXXXXX account was i identity theft on XX/XX/year> that the account did not belong to me the problem was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mortgage was paid in full on XX/XX/2024. Delinquent account information was falsely reported to various credit reporting agencies on XX/XX/XXXX XXXX XX/XX/2024. This in turn reduced my credit score by almost XXXX points after having an exceptional credit score for several years with not one payment late. Contacted reporting agency and the bank who reported it [ wellsfargo ] for various recorded phone calls stating that my credit report would not be affected as long as the loan forbearance was caught up or paid in full by XX/XX/2024. I was informed the recorded phone calls would be reviewed and corrected pending information recorded during several phone calls prior to confirming the loan forbearance. The only reason the forbearance was accepted is because I was repeatedly promised that my credit would not be affected by the terms laid out in which were followed 100 %. Proof of account standing in XX/XX/2024 that shows up to date is available. Please help in this ridiculous false claims made by the lender wellsfargo. I was also promised during a recorded phone call that my loan would never be sold. 2 months Into my mortgage wellsfargo sold my assets to fanie may without any type of communication at all.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JP Morgan Chase Bank is wrongfully holding a deposit of mines that cleared on the XXXX of XXXX. The deposit is from a company for a settlement I received from being injured that left me XXXX XXXX. Ive been waiting 4 years for this settlement. They restricted my account as soon as the check cleared. Then recently closed my account and are holding my money. This is so wrong and unethical on so many levels. They keep saying they need to verify the check and mind you the check had been cleared the other bank. I hate to think its because of race as if someone of my race couldnt receive a large deposit as such. I have never experienced anything like this with a bank. Chase bank is horrible to do business with and I wouldn't recommend them to anyone!!! If the money isnt mine then why havent they sent it back to the issuing bank? I have also filed a complaint with their executive office and Im looking to hire an attorney to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the inaccurate information that is currently being reported on my credit report related to accounts that were included in a bankruptcy case. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations into disputed items on a consumer 's credit report. 

Specifically, the following accounts were included in the XXXX  XXXX bankruptcy which was filed in XX/XX/XXXX : 1. XXXX XXXX, XXXX, the payment history is inaccurate ; XXXX of XXXX are reporting 30 days late and XX/XX/XXXX is incomplete. 

2. XXXX XXXX, XXXX, the payment history is incomplete ; No payment history was reported from XX/XX/XXXX through XX/XX/XXXX and the account was opened on XX/XX/XXXX. 

3. XXXX XXXX, XXXX, payment history is inaccurate ; the account was opened XX/XX/XXXX and a payment is reporting for XXXX and XXXX of XXXX which is inconsistent with the account being opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX, payment history is inaccurate ; account was opened XX/XX/XXXX and a payment is reporting for XX/XX/XXXX which would be inconsistent with the open date. 

5. XXXX XXXX XXXX XXXX, Status of the account as a charge-off was updated after the account was discharged in the XXXX  XXXX XXXX for XXXX, XXXX, and XX/XX/XXXX which is inaccurate. Account payment history reflects a payment for XX/XX/XXXX which is inconsistent with the account being opened in XX/XX/XXXX and no payment was made yet. 

6. XXXX XXXX XXXX XXXX XXXX, the account was opened on XX/XX/XXXX, and a payment is reporting for XX/XX/XXXX which is inconsistent with the account being opened on XX/XX/XXXX. Payment history reflects XXXX and XX/XX/XXXX as 120 days consecutively wich is inaccurate Please investigate the Bankruptcy and the accounts included and correct the inaccurate information on my credit report as soon as possible. If the information can not be verified or updated correctly it must be deleted. 

The FCRA entitles me to dispute any inaccurate or incomplete information on my credit report. If your investigation does not resolve my dispute, I will pursue further action to protect my rights. 

Please send me the results of your investigation in writing within 30 days as required by the FCRA.

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 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>... I opened my Fifth Third Mobile app! I went to the transfer tab and added my XXXX XXXX routing and account number and proceeded to transfer {$6500.00} from XXXX XXXX into my 5/3rd savings account! It said it would take XXXX hours for the money to be transferred! I woke up the next morning on XX/XX/year> from an automatic message from 5/3rd stating the transaction was cancelled due to fraudulent alert! I went in person to the 5/3rd bank on XXXX XXXX XXXX in XXXX, MI where I opened the account! They wanted me to verify my XXXX XXXX account and amount requested to transfer! I did, including my W2s to show my taxes were deposited into my XXXX XXXX account so the money is Legit! They told me the verification were all set and I should have my money returned by the next days! By XX/XX/year> no money was returned! I went back in person and the bank teller XXXX XXXX stated that their 3rd party XXXX is now holding funds for XXXX business days! Upset, but Patiently waited for the XXXX business day and still no return! The bank teller XXXX who was in contact with XXXX told me ( i have documents ) that up until XX/XX/year> the XXXX business they had eyes on the {$6500.00} ... on XX/XX/XXXX the XXXX business day..no one had eyes on it, the money is gone, and now they are saying I canceled the whole thing out, and I have documents from XXXX XXXX stating I never disputed the charge and the money never came back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I told them that XXXX XXXX account was i identity theft on XX/XX/year> that the account did not belong to me the problem was not solved.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America debited my checking account three times for the same credit card balance payoff I was trying to make on XX/XX/year> without notifying me that they had done so. Consequently, they have refused to refund my money, more than {$15000.00}, claiming it can take up to 10 days to review. My checking account has been negatively impacted by this actiion, and I have been unable to pay personal bills that are due. There is no reason whatsoever that my overpayment should not be refunded 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 monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices

Company response to consumer: Closed with explanation