vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
Collections account XXXX is a fraud account and don't belong to me please delete this account because it is fraudulent. I have attached documents please see document. I also contacted XXXX about this fraud account Thank U XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reported incorrect information about debt and does not update credit report in a timely manner

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear CFPB, I am reaching out to request your assistance regarding a troubling issue with my Chase Sapphire Ultimate Rewards points and a related statement credit. 

I have been a loyal Chase customer since XXXX and a Chase Sapphire cardholder since XXXX. However, I encountered a problem when I canceled my Chase Sapphire credit card on XX/XX/XXXX, according to Chases records. Despite this cancellation, a transaction with XXXX was processed on XX/XX/XXXX, indicating that my card was still active at that time. 

Chase 's Ultimate Rewards Service Agreement states : " If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them unless limited or prohibited by law, in which case your unused points will be automatically redeemed for cash in the form of an account statement credit. '' Following the closure of my account, my remaining Ultimate Rewards points were automatically redeemed as a statement credit. However, this redemption was subsequently reversed, and my points have not been reinstated. Given that my last transaction occurred after the cancellation date and according to the agreement, this situation appears to be an error. 

Despite several attempts to resolve this issue directly with Chase, including discussions with supervisors, I have not received a satisfactory resolution. Most recently, on XX/XX/XXXX, a supervisor disconnected our call, further exacerbating my frustration. 


Thank you for your attention to this matter. I appreciate your assistance in resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i have applied many times aplication in capital one for open new checking XXXX account ..but every time my aplication was declied..! nd i recieved email every time you have on debt nd low credit score.. but i am new and i recieved my social 5 months ago.. i never took any loan ..i want know why it is hapening again and again with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I HAVE A RIGHT TO ASSERT A CLAIM AGAINST THE CREDITS FOR THE GOOD AND SERVICES FOR WHICH THEY WERE EXTENDED UNDER THE TRUTH IN LENDING ACT REGULATION Z. 


1026.13 Billing error resolution.

( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) ( https : //www.consumerfinance.gov/rules-policy/regulations/1026/7/ # a-2 ) or ( b ) ( 2 ), as applicable, and 1026.8. 

( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. 

( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.

( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.

( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.

( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-18 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: MD

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with XXXX, XXXX, and Transunion requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA XXXX. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.

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 2024-09-18 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: MD

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with XXXX, Equifax, and XXXX requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA XXXX. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX  and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This company has been violating my rights. I have did a dispute with them before and they have only deleted XXXX account from my credit for inaccurately reporting. The last account that still on my credit they stated they believe I was not the one that made the complaint which I was.I was informed to XXXX them a call to get permission for them to complete the investigation which I did call and give them permission to go forward with the investigation. I have heard nothing back and still show its reporting to my credit. They only removed XXXX account. 

My reason for disputing because they were reporting multiple charge offs on the account till this day of 2024. I disputed with XXXX on this information and they left it on my report. They did an investigation and actually removed one of the capital one accounts that was reporting. I will provide information on that as well.

According to 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Reporting incorrect information to credit bureaus constitutes a violation of this provision.

In accordance with the fair credit reporting act FCRA section 1681 15USC 1681. Violating my rights reporting inaccurate information. Also 15USC 1692 ( e ) falsely misleading multiple charge off.

When I reached out to them they actually verified they are reporting correct WHICH THEY ARE NOT again charge off are reported ONCE not multiple times. I attached a picture below to show how they are still reporting and been reporting incorrect!

This account has been on m y report long enough and still reporting inaccurate! Needs to be removed as this is round 4 with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/24 I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX PayPal merchant id : XXXX Last XXXX : XXXX XX/XX/XXXX gift of {$1000.00} from XXXX XXXX They restricted my account. I sent credentials they asked and reason. I called XX/XX/XXXX appealed, they said I would get contacted but didnt. I called XX/XX/XXXX to confirm the appeal they said the decision was already final and they couldnt provide any information. I will not be able to transfer my funds for 180 days. It funds for XXXX  how am I supposed to wait 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I've filed claim with Wells Fargo about the unauthorized transactions on my account. Also on XX/XX/XXXX, I've contacted the XXXX Police Department to file a report regarding fraudulent activity on my account. The XXXX Police Department stated, they couldn't do anything until Wells Fargo decides to press charges on their end. I've visited the XXXX Wells Fargo branch on XX/XX/XXXX for a printed transaction summary. The amount of money was {$6200.00}. I've checked my account and saw that {$6200.00} was spent in a week from XX/XX/XXXX to XX/XX/XXXX. I've went to the ATM to make a withdrawal and I saw that I had only {$39.00} left in my account. However, I've never spent a dime of this money. A new debit card was issued to me by mail. I've used the new card only XXXX day. The next day I've tried to use my card, it was cancelled. When I've contacted Wells Fargo about it, I was informed that I could not use my card for a whole year. On XX/XX/XXXX, they decided to close my debit card to prevent further risks to my account. On XX/XX/XXXX, a notice I've received stated that a thorough research was completed. Based on the info available to us and the transactions were made using your card and PIN number, they didn't detect any fraud on my account. I would never give anyone permission to defraud me out of my money. Wells Fargo did not investigate my claim at all because my money wasn't credited back to me. In order for me to access my money, I have to visit the branch.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-18 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: CA

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within XXXX days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every XXXX of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
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 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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 XXXX and 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My XXXX  died a few weeks ago and I received a check from Capital One as the XXXX on her account. I received a check made out to myself from Capital One and I deposited this check directly into my Capital One 360 checking account because when I checked to see what the deposit policy was it stated that based on the type of check and type of checking account I have that the funds would be available the next day. However after taking a photo of the check and submitting it the app showed that it would not be available until XX/XX/23. This makes no sense whatsoever because I could have taken the check to a local Capital One and cashed it and then deposited into my Capital One account or taken it to one of my other financial institutions and deposited the cash. I received an email from Capital One stating that they have reason to believe that the funds will not clear and its their own check for funds that they owed to me. I spoke with a supervisor who advised that they couldnt release the funds and I also couldnt close my account with the deposit pending. This is a horrible way to treat people who are grieving and a horrible first impression to make with a new customer. I only opened this account because of how wonderful the local branch was with helping deal with my deceased mothers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kora Financial
State: PA

Complaint narrative:
My name is XXXX XXXX it has been years months and weeks y'all account hasn't been added to my credit report yet please help me account email is XXXX I still need help my issues aren't resolved I can't get in touch with y'all by email or phone call and y'all not responding to my emails please readd it to my ssn because it's not on my credit report still etc.Update I cant get ahold of I have found your account and it shows that the {$100.00} loan was paid off early- is this not showing accurately on your credit report? The SSN we have end in XXXX- is that correct? Please reach out to XXXX to get this issue resolved- I will help you with next steps! I cant get ahold of the person below or they wont respond to my emails I sent them please help me and resolve my issue and fix my issue etc.

Company response to consumer: Closed with explanation