vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-14 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: TX

Complaint narrative:
I am writing to dispute the information that appears on my credit report regarding the charge off of my account with XXXX XXXX - XXXX. The account in question is listed on my credit report as being charged off with a balance of XXXX, which is inaccurate. 

I dispute the charge off of my account for the following reasons : The creditor did not provide me with sufficient notice of the impending charge off, and I was not given an opportunity to make payment arrangements before the account was charged off. 

The amount listed as charged off on my credit report is incorrect. I have proof of payments that I made towards the balance, and the amount charged off should be lower than what is currently reported. 

The creditor did not follow proper procedures for charging off the account. They did not provide the required notices or follow the correct timeline for charging off the account. 

The charge off is the result of an error or misunderstanding. There was a miscommunication between me and the creditor about the status of the account or the amount owed. 

The creditor have violated my rights under federal or state laws, such as the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

The creditor did not properly apply payments made to the account. Some payments were not credited to the account or were credited incorrectly. 

The creditor did not provide me with a full accounting of the amount owed on the account, including interest and fees. I was charged fees or interest that were not disclosed or that I did not agree to. 

The charge off is the result of a billing dispute or error. I disputed a charge on my account and the creditor charged off the entire account instead of just the disputed amount. 

I request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. Please also provide me with a written confirmation of the correction and an updated copy of my credit report. 

Thank you for your prompt attention to 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 2023-04-14 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: TN

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # 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 2023-04-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 I applied and was approved for a capital one quicksilver secured credit card. Also on XX/XX/23 an amount of {$500.00} was taken from out of my checking account as a deposit towards my secured credit card. I Received a email on XX/XX/23 saying my new secured credit card was shipped. On Friday XX/XX/XXXX I received 2 envelopes one with my new quick silver secured credit card and another envelope from capital one stating " Dear XXXX XXXX XXXX we are closing this account because we have observed activity on your account that is not consistent with our expectation of usage for personal, family or household purposes. Please stop using this account immediately and destroy any cards and checks associated with it. '' A year or two ago I previously had an account with capital one with a balanced that was paid in full but it was closed with not explanation. So I was a little taken back after the fact that not only I put in my personal information but I received a approval email and I gave capital one {$500.00} just for them to send me a card in the mail and then closed my account. I spoke with a capital one fraud prevention representative named XXXX on XX/XX/23 and asked him is this a recorded line and he replied yes and I asked him how is my deposit is going to be sent back to me and how long it takes. XXXX responded and said capital will send me a check after 2 billing cycle which means 2 months and XXXX also explain to me he can't give me any further information why my account was so suddenly closed so he transfer me to his supervisor which her name is XXXX and I explained to XXXX my situation but there was nothing she could do as well. Not only that I am being inconvenienced because capital one didn't do their due diligence and deny me once they received my social security but now I have to push bills that I was planning on using the card with back but I also have to wait almost 3 to 4 months for me to even get my money back into my account without any receipt saying if my refund is on the way and no explanation on why my account was closed and I can't no longer use my new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: MD

Complaint narrative:
On XX/XX/XXXX I was reviewing my reinvestigation for the account US DEPT OF ED/XXXX  I noticed the result of the investigation came back as updated. The before information attached to this CFPB report is not true at all because more than half the information is not filled out. For example, on the account info before it was disputed, Experian did not fill out the account type, responsibility, balance, balance updated, recent payment, monthly payment, original balance is all blank and not filled out which is incorrect. This information was originally filled out which means Experian is not even investigating the right information. Experian was being deceiving and filled out the information after the investigation labeled the investigation as updated like that information wasnt already in my consumer report before the investigation. I have not been given a fair investigation from Experian for they are destroying my livelihood. Pursuant to 15usc 1681a ( e ) Experian must provide me the 3rd parties method of verification to this account. They have failed to provide me their method of verification, so I demand Experian to remove this account from my consumer report. Attached to this report is the before and after of the investigation information. The " after '' investigation information file attached has just below the account name states " your information may have changed since XXXX XXXX, 2023 '' for no confusion.

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 2023-04-14 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:
XX/XX/2023 - I called XXXX, Equifax, and XXXX to have old address that were undeliverable removed and theyre still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
XX/XX/2023 - I called XXXX, XXXX, and Experian to have old address that were undeliverable removed and theyre still on there.

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 2023-04-14 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
My cell phone was stolen on XX/XX/2023. Fraudulent access to its content was gained on XX/XX/XXXX. They sent a total of {$500.00} to another account, known to me only as XXXX XXXX Approximately {$900.00} in fraudulent charges were also run up on my XXXX card. 
I have repeatedly attempted to dispute these transactions, to no avail. Chime claims no error occurred. The only documentation theyve sent me of their investigation gives ridiculous reasons for denying the dispute that make absolutely no sense. 
It sure looks to me like theyre hoping to wear me down so Ill just give up, increasing their profit margins.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a copy of my credit report and recognized there was a Capital One credit card on my account that was not mine. I reached out to Capital One to notify them of this account is fraudulent and I did not open it or give anyone authorization to use my information. They claimed to conduct and investigation but did not provide me with the validation and the verification I requested. They also did not give me their method of investigation ; who did they talk to, their names, and was they present during this transaction which is my rights. They failed to provide this information and continue to report this fraudulent account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Creditors Bureau USA, collecting on behalf of XXXX XXXX XXXX in the amount if {$1200.00}. Got in contact with a Mrs/Ms. XXXX ( no first name ), she can't give me any information besides the interest on the charges has raised my account up to a little over {$1900.00}, she can't send out the original copies of the bill or credit slip because they don't do that. She did say she could send a revised copy that tells me how much Creditors Bureau USA paid for the account but she couldn't do it unless I provided an actual address or XXXX XXXX not mailing address or email address. The same with XXXX XXXX XXXX, no one can provide a reference number, date of services, procedures performed, claim number or anything that can help me resolve this issue. I research on XXXX  and both companies have complaints for fraudulent charges against people with similar if not exact situation as mine, which leads me too believe that this charge is a scam. By me being a XXXX XXXX XXXX my insurance would have covered these charges.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/23, I opened a case XXXX with Blackhawk Network regarding a refund request of my prepaid visa gift cards, totaling {$10000.00}. On XX/XX/23, the information was confirmed and I was told I would be updated regarding the status of the case. Contrary to this, I was not updated, and upon calling in to follow up on XX/XX/23, I was told that the refund request was denied as I could spend the remaining balance on each card. 

The company is not aware of its own terms & conditions, as the fact I can use the cards is irrelevant to whether I can get a refund or not. I do not agree to the terms, so i ask to cancel the cards and receive a refund check. This is stated as an option simply in the attached terms & conditions, which this joke of a company fails to understand of itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
As a XXXX veteran who was taken advantage of to collect repayment by XXXX which was caused by HUMAN ERROR ; NOT MINE FAULT, I should not be liable for the additional ADMINISTRATIVE COST OF {$1100.00} charged by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My account was closed on all of a sudden, I got a email from them in XXXX I changed my direct deposit for my job to another bank account in advance but the check still went thru on that capital one account, I have another reversed payment in that account its XXXX even if Im not supposed to have the other XXXX, I got paid XXXX thats my check and they cant keep it, its been few weeks only 2-3 cases of the 10 cases has been resolved, I had submitted mutilple disputes and they closed and said I was abusing company policy, I called them and they didnt even give me the check money from my job so all the money is just sitting there, simply put I dont want all the money just my check money because thats not suspicious it was a creditable deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
Scammer used the pretext of being a member of XXXX fraud department tried to scam {$470.00} from my credit card after setting up a Remitly App account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
I paid {$1500.00} in the beginning of loan to pay in advance and CPS misapplied payments and took XXXX $ in interest! 

Since that time XXXX 2022 its been a battle to have them reapply the payments correctly! 
Past 4 months paying what they tell me.. still goi g to interest instead of principal! 

Threatening to repossess and many late fees and misapplied payment!! 
I even qualified and signed documents to put one payment at the end of loan No ONE IS HELPING ME and it causes me stress and financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the XXXX data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from 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 2023-04-14 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: IN

Complaint narrative:
XXXX XXXX has not be removed from my credit report and is causing my score to be less than it should. This is reported on my XXXX and Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
I received a notification on my credit report about collections. I do not know the company nor the debt they are asking for. Someone was able to use my name and information for an account somewhere. I have never lived nor visited the place where the said collections is coming from.

Company response to consumer: Closed with explanation