vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am asking for a full investigation Concerning all these late charges on my Experian Report XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX  days late. XXXX. XXXX XXXX XXXX  days late. XXXX XXXX XXXX XXXX days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX Main made a Hard Inquiry on my credit report with out my permission from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The date is a XXXX when their closed. They contacted on XX/XX/2022 to see what they could offer me. They called back on XX/XX/2022 with XXXX to consolidate the XXXX loans. 
I told them I would look them over and call back with my choice of the XXXX they offered. 
Called back the evening of XX/XX/2022 with my choice and was given an appointment time to sign on XXXX XXXX. When I show up for my appointment the associate hide the paper work behind her and I was told there was nothing available me. I was discriminated because of my XXXX. 
They told me I didn't qualify but on XXXX XXXX another XXXX inquiry on my credit report with out my permission and a second offer left on my voice mail offering additional funds. The loan they approved me for on XXXX XXXX wasn't what they verbally agreed on and caused financially hardship. Perfect repayment history lost because of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: Transform Credit Inc.
State: GA

Complaint narrative:
Since XXXX my credit score has been decreasing a lot I was in XXXX - XXXX range and I couldnt figure out why considering I only have 1 missed payment and I closed that account, after awhile I looked at my XXXX credit report and seen a personal loan took out in my name XX/XX/ for XXXX. This company is called Transform Credit Inc, when looking it up you can see many others have left bad reviews on this for scam/fraud/identity theft. My credit score is now below XXXX. Please help boost my credit score where its supposed to be and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter 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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a Capital One credit card and had problems with XXXX  processing a payment for them. However I went through another one of my bank accounts to issue a payment to them. Their company sat on the phone for 45 minutes falsely having XXXX three way in and under false pretenses coercing me into giving permission to access my account. Never once did the Capital One employees state they were closing my account out and even sent me emails stating they could help me get back on track due to the messed up payments which was a complete lie. They do not value customers nor do they work with them. They make false statements through their employees, email communications, and letters. This company is a complete lie and I would regret anyone having to deal with these issues themselves. They closed my account out after making several payments and refused to return my money/make it credit available lying stating it would be available by XX/XX/XXXX and then closing my account the next day. This should be highly illegal for anyone to make transactions with them or have an account with a company that gives out falsified information that therefore misleads customers and coerced them into situations that they would not have agreed to had their customers like myself known the truth. Never working with them again and have since received multiple emails trying to coerce me into another card with them after they just shut my card down. Seems like a scam to try to get a bunch of individuals to pursue using their services knowing they would close their accounts for literally no reason. Bait and switch tactics are implemented by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received United Explorer Card application invitation with XXXX bonus miles with XXXX intro annual fee ( see attached mailer to me with my name and address included ). After that, I logged in to my Chase account, and see a pre-approved United Explorer Card, so I applied it. I then realized that I was tricked by Chase, because the pre-approved United Explorer Card offer presented to me was only XXXX bonus miles with XXXX intro annual fee. Effectively I lost XXXX bonus miles from the original paper application invitation offer. 

The only reason I considered the pre-approved offer via Chase account was because I thought it was the same as what I received in the mail, but it was in fact XXXX bonus point less. 

I have received the XXXX points from Chase, I am filing this complaint on the confusing marketing efforts and shows different offers across different channels, which eventually led to unfavorable treatment to me ( as a consumer ). Therefore, I would like to request Chase to grant me the additional XXXX bonus points to make sure that i can receive XXXX points in total which matches the original mailer piece.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
I went through a modification and at the end of the modification they miss placed a payment, and now is asking for me to repay that payment I've already paid. I've filed a lawsuit with the XXXX XXXX XXXX XXXX XXXX. I was able to speak with the attorney but not able to come to a resolution. I have a confirmation number as to when I paid the bill over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IN

Complaint narrative:
Although i got what was and is mine it took my mother passing away to gain access to what was mine after months upon months of explaing, arguing and hours and days took up with this place apparently all it took was my mother to die to access it... ..honestly wouldnt even be surprised if stressing over this didnt help the matter but cant say for sure... ..im still angry and distraught over everything that has happend with this place for the hours lost via calls and messages and arguing ... ... the easiest i had it was after my mothers passing i needed to have the money for her cremation upon walking in the bank manager knew who we was after one of the tellers told her my name and account number and they was quick to get a check and cash it almost as if they was happy that they was done dealing with me and my wife ... ... and excuses even came about the situation of someone acting as me and me having proof of it sorry but im still upset... ..no bank should ever do somthing like they did i now daily keep a close eye on my credit information and other accounts in fear this person is still trying to actively act as me but luckily my current bank does take there ( unlike here ) security very very seriously ... ... sorry but im still angry... .any normal person would be

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2023 I transferred {$95000.00} from my checking account to my LOC account to pay of the {$95000.00} + interest. The Fifth Third Bank said there was an error applying the {$95000.00} and it will not be corrected for 10 days. During this time I will be charged interest and not have access to the money. 

My checking account is XXXX I contacted the Fifth Third employee XXXX # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I purchased a car and took out a loan from American credit acceptance, XXXX XXXX, 2023 i have been making my payments on time before the due date i have already made 4 monthly payments to them and they said that my good standing account payments would be reported to the credit bureaus this is 4 months already and they still havnt reported to the bureaus, even when they said they do. im trying to build my credit and this is preventing me from getting a credit score. especially when i try to refinance in 6 months since they charged me a 28 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im confused on how CFPB is supposed to ensure that the consumers rights are protected through a system keeping the credit bureaus under compliance regarding credit reporting. I have disputed a few matters. All of which have never even been investigated into. Ive sent US Codes along with the description of the matter at hand that Im dealing with. This is prohibiting me from completing financial, family and business goals. I need a proper reinvestigation along with a letter of deletion of every hard inquiry on my consumer report. I thought it was supposed to take 15 days. This has taken well over 60 days just to get empty envelopes back with my credit report on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These docs are coming from me ; XXXX XXXX and not a third party.. I did not authorize these two inquiries on my credit report. # XXXX XXXX. Capital One : XX/XX/2023 XXXX XXXX XXXX : XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX I made a XXXX tranfer in the amount on {$100.00} and {$25.00} to from my pnc to my XXXX account.PNC deducted that amount from my account then and also on XX/XX/XXXX and told me it was a pending payment but at the time I did the transaction that amount was taken from my account.Also I had a similar problem that I had disputed three times and on XX/XX/XXXX they deducted XXXX dollars from my account that already had a negative balance from the XXXX issue and caused not only more overdraft fees but also left me with no money since my overdraft coverage was apparently cut off as well.This has happened multiple times and they refuse to accept that they are still taking double from my account even though Ive talked to 4 Pnc employees that are in agreement with me.Also I have offered each time to show the statement from my XXXX XXXX  account when the transfer was made and get ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief