vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit 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: NY

Complaint narrative:
I have made a separate complaint about this but this specific one is for capital one while the other was for XXXX XXXX. As I mentioned on my other case, I was a recent victim of a fake job employment scam. They used my credit card to make purchases for them THEN they made payments that later bounced back on my credit card and now my credit card were over drawn XXXX aside from what I personally already owed. The total amount the fake employment scammed me for was $ XXXX between both my capital one and XXXXXXXX XXXX credit card. I am not in a position to pay those over drawn balances. I have the conversations between myself and the hiring XXXX where they give payment information to use for credit cards that would show as credited the first day but then Bounced back 4 days later. Which is when I was realizing that this is a scam, they continued to make these alleged payments to the credit card but once I started to feel uncomfortable and I made that known to them they started to XXXX my messages and then discontinued all contact with me. I have screen shots of the accounts they provided to make these said payments to the credit cards, also the inappropriate comment he made to me that made me realize more this was not a legit job offer. The merchants arent able to help me because they said the credit card companies can help but they couldnt help me either. XXXX stuck in a predicament and now I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to report inaccurate information on my credit report from XXXX XXXX, account number beginning with XXXX. The report incorrectly lists late payments on this account. I have consistently made my payments on time and have never missed a due date. I previously disputed these inaccurate late payments with the credit bureau Transunion, but their investigation was unsatisfactory. In order to substantiate my claim. I request that this inaccurate information be completely removed from my credit report, as it is negatively impacting my credit score.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX BANK account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : REASON : XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX BANK- XXXX FRAUDULENT ACCT SELF XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX- XXXX FRAUDULENT ACCOUNT FIRST PREMIER BANK XXXX FRAUDULENT ACCOUNT

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 2024-04-26 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 was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : REASON : XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX  XXXX FRAUDULENT ACCT SELF XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT FIRST PREMIER BANK XXXX FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to section 623 of the Fair Credit Reporting Act, a furnisher of information must comply with those procedures when furnishing to consumer reporting agencies. XXXX XXXX is NOT complying with the requirements stated in the Act as they are still reporting this information on my transunion credit report. This information was deleted on other consumer reports as it was unverifiable and inaccurate information. See attached exhibit. As stated in the FCRA section 623 ( b ) ( E ) ( ii ), this item of information MUST be deleted promptly.

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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX and Transunion Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NA Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX NA Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621. 
The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Please I beg someone assist me with the following : late in XXXX I was offered a remote data entry position, little did I know until 4 days later that this was in fact a scammed job employment offer dealing with fraudulent payments that returned and fraudulent transactions that includes equipment and gift cards to activate equipment.It was too late when I realized and they were able to use two of my credit cards one being citi bank and the other capital one. They used my card to make purchases of equipment to use for supposed job employment. How ever days later the money used to cover expenses on the equipment purchased started to bounce back and my accounts were over drawn. I tried to reach out to the hiring manager and the trainer but they started to dodge my messages. This was all done through Teams. I have proof of our conversations and they also took my drivers license and social security information. I know owe over {$15.00} combining the citi bank card and capital one bank card. I am in debt and also still struggling to find another job employment while having student loans to pay. Citi bank is around XXXX k that is over drawn from my own credit limit : they are asking to need the due date amount but that can not be possible due to my current employment status. Plus there should be some kind of help for situations like this. Please someone help 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX FEDERAL XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX. I applied a credit card with annual fee {$590.00}. 

XXXX. I didn't activate the card as I didnt need it. 

XXXX. When I was called to make payment I asked options as I didnt need the card. 

XXXX. I was advised to close the account, so that the annual fees will be waived. 

XXXX. The account is closed but the annual fees is not waived as told by Citi.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I spoke with bank manager, XXXX ID number XXXX and we went through every single payment I made since opening the account. She promised to correct the different allocations between the two promotional balances and send me a letter to this effect. Nothing ever happened. She told me, the correct balances should have been on the interest-bearing promotional balance. The actual balance should have been, very big differences!

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 2024-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: FL

Complaint narrative:
I placed an order with Tesla under the assumption that I was approved or would get the lease because you have to pay for the order upfront and after Ive already paid and gave all my information it is very misleading because they are insinuating or implying that you will receive the car or the order and they are charging a {$250.00} nonrefundable order fee now I was denied the application and they are not going to return my XXXX so I think that is very misleading and Unscrupulous business practices there, misleading customers with the assumption that you were already approved and will receive the lease

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15usc1681 section 602 states have i have right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We closed our account on XX/XX/XXXX, we told we get our funds in a cashiers check in ten business days, we called back in two weeks, they stated account was in closing status, they would close it and we would get our check the following week still no check, called again now its XX/XX/XXXX the account still not closed, we requested be closed now they stated we would not a get our cashiers check till XX/XX/XXXX, ten business days has turned to two months with Bank of America all because they cant figure out how to close it on the corporate end, but when we go into the branch it shows closed.

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