vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
When I applied for, and was approved for XXXX XXXX on XXXX, the Capital One website ( screenshots attached ) said New Cardmembers would earn {$200.00} off after spending {$500.00} in the first 3 months. The website also said Previous and Current Cardholders may not be eligible. I never had a XXXX XXXX card previously. 
I spent over {$500.00} in the first few days after receiving the card, and noticed I only received the regular 1 % points. 
I called Customer Service to ask why I did not receive the {$200.00} and all they could say was that the offer was not on my account. 
I canceled both of my Capital One cards ( I also had a XXXX Capital One Card ) later that day, and in the " other '' section noted the reason of " did not receive XXXX intro bonus XXXX  XXXX '', as well as checking boxes for " rewards '' and " customer service '' as reasons for canceling. 
Something told me to XXXX Capital One XXXX XXXX later that day, and I noted a new page for XXXX  XXXX, which had Columns for Good Credit, and Excellent Credit. My credit score at the time of applying was XXXX which is only Very Good. The Good column said 29.99 % interest and no intro bonus. The Excellent Column had the {$200.00} intro offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was checking my credit report and this debt is on there, preventing me from financing for an auto, I have called to dispute this debt. I NEVER opened a credit card. I sent a letter for validation of Debt requesting Copy of the Original Contract, Copy of the payment history, Name/Address of the original creditor and proof of debt assignment. I only received a monthly statement from XXXX XXXX  and an account summary report showing the original creditor, a second company as the creditor and now this Resurgent Capital Services as the creditor. I have NOT received validation of this debt. I have disputed this debt. I have done all that I can but gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review.

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 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX asked for and got forbearance on my rocket mortgage loan, # XXXX, on account of the fact that I was not employed for 3 months of the year. 

I went back to work, signed an agreement to resume payments, and kept the terms of the agreement. However rocket mortgage has listed me as 120 days late to the credit agencies, and has done severe damage to my credit rating, which dropped more than XXXX points. This has increased my borrowing costs dramatically. 

The company didn't reveal this when I asked for forbearance. I don't think I would have done it if they had. This credit problem will be on my record for the next 7 years. I don't think it is right that the company would do this. They rolled the payments back into the loan, with interest, and rocket is paid in full. I have kept my end of the agreement. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number 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 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear, Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have made several calls, written several letters and sent this same affidavit to Experian and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can 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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The Card Security Program at Synchrony bank card services is credit card issuer for PayPal Mastercard and also servicer to the account. I have paid for card security insurance protection for more than 10 years on this credit card account and filed a claim for XXXX that started in XX/XX/XXXX due to XXXX XXXX   and related impacts it had in my well being. I became unable to do anything except go to walk-in emergency urgent care and hospital emergency room care to try to find diagnosis and treatment for the XXXX of which I was suffering extremely difficult life threatening symptoms. 
I filed my claim for XXXX multiple times between XXXX and XX/XX/XXXX after the forms were filled out by the XXXX XXXX original treating physicians. After seeing 5 different specialists doctors for a number of XXXX related ailments and complications my medical file is ripe with substance and proof of my condition. Therefore I followed all directions to file the XXXX claim which I was also unable to work at all but I only focused on the XXXX claim. I could have also claimed unemployment benefits related claims with Card Security however I was completely unable to work and conduct normal daily routines from XX/XX/XXXX until approximately XX/XX/XXXX. 
Card security had me send them the claims forms about a half dozen times over the course of the first 6 months of XXXX wherein their online system was offline and was not accepting nor processed any payments or claims for my valid XXXX and all I received from Card Security personnel was excuses and zero substantiated support for my claim. 
I have called and written Card Security many many times documented all interactions with them. Their response to me after taking nearly a year to tell me they have struggled to get the XXXX XXXX doctor or his office to respond to their inquiries is that my claim is invalid because the doctor office XXXX XXXX XXXX in XXXX XXXX FL where my treating XXXX XXXX XXXX XXXX worked as staff doctor and my date of XXXX is not valid. I have 5 treating doctors I have seen that all have reached the same conclusions and this is what I am left with. Being told by Card security personnel that my file is wrong and someone has not been contacted to prove that otherwise and that is nothing I can do about it.

I filed a legitimate claim for legitimate reasons after paying for this service of card security for more than 10 years without a prior claim and I am told Im not entitled or eligible? 
This is fraud by card security and bias plus discrimination against my medical conditions and age. Plain and simple and all I want is what I have paid a lot of hard earned money for coverage of my health care claims.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting on transunion : Address is incorrect Never lived at this address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CT 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including my correct, address. 

Inquiries : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH 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 2023-05-02 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
The item was returned to the merchant, the merchant provided the confirmation of return/refund processed back to my credit card however the credit card got the refund and still charged me for the item which was returned fully to the merchant. The credit card was informed of the issue multiple times and provided the confirmation from the merchant about them processing a refund back to my card, but they chose to ignore it and for almost a year trying to bully me into paying them for something I returned back to the merchant and provided them with confirmation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My Jetblue Barclays credit card was used to purchase at XXXX XXXX XXXX on XX/XX/2024 ; I informed the company that the card was in my possession and that I was not the person making those purchases. At the moment, they removed the charges from my account. However, this month, I received a statement with the reverse charges and an explanation that says that the fraud investigation team found the charges legit because I told them that the card was in my possession and according to their policy and rules, their chip can not be replicated and I have to take responsibility of those charges. I offered to send a copy of my passport to prove that I was in the US when those charges were done, but they did not guarantee that that would help. I feel very frustrated because those chips are being replicated or the thieves are using something to steal the information. The Barclay credit card company is not helping its customers resolve these fraudulent transactions. 
Below are the charges I am being forced to pay for : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} Total purchase activity for this period {$320.00}

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX of this year i wrote a letter to Transunion to notify the Elaborate mechanism that they are indeed Reporting fraudulent information & A Fraudulent Account : XXXX XXXX # XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX # XXXX Was removed from my Credit Report. 

They Followed up with another Letter 4 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX # XXXX on to my Credit Report that had been removed just 4 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. Their Negligence has Caused me Stress, Physical harm, XXXX, Hardship, misfortune, suffering, Trauma and emotional turmoil. 

3 months later & Transunion is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. They are Reporting a Late Payment with the Exact same Fraudulent Account : XXXX XXXX # XXXX that was Removed & then Reinserted 4 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. 

I'm Demanding the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

& Unfair Practices. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX # XXXX to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

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