vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XX/XX/2024 I delivered an application to CBNA servicer and they were supposed to transfer the application to the correct intermediary and I was to be credited the amount I was approved for. Instead I recieved nothing in return and was left in acquiescence for over 2 months. I have emailed the XXXX XXXX XXXX XXXX of my issue with this servicer and will sue the Trustee for securities fraud and negligence of fidicuary duty if no action to remedy this issue, then I will be prompt to move forward with my complaint with this servicer as I am aware they have no rights in this transaction.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One Venture X Card is fraudulently advertising XXXX XXXX as a benefit. Many like me are waiting months to register with no timeline or follow up on registration for XXXX XXXX XXXX. There is no work around solution and I have contacted both companies many times. The only answer is that its a known problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
I am writing to address a distressing issue regarding my credit report that has had a significant impact on my mental health and well-being. I recently discovered an unauthorized item on my credit report, which has caused me immense stress and contributed to feelings of XXXX and thoughts of XXXX 

The unauthorized item in question resulted from the unauthorized use of my personal information, leading to its inclusion on my credit report without my consent. Despite my efforts to rectify this situation, including sending letters over 30 days ago, I have yet to receive a satisfactory response from your agency regarding sufficient validation of this account. 

It is imperative to understand that the presence of this unauthorized item on my credit report not only violates my rights but also exacerbates my mental health struggles. Furthermore, this account violates the Fair Debt Collection Practices Act ( FDCPA ), as it was reported without proper validation and authorization.

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 2024-03-19 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: MI

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 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 non-monetary relief
Consumer complaint received 2024-03-19 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: GA

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. 

Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
late in the day on XX/XX/year>, I was debanked by goldman-sachs with my apple card. The account was closed on the last day of the month with no notice. My automatic transactions were now disrupted starting the first of the month ( the next day ). 

I contacted the apple card via text support line. They " could not answer any questions '', and said they could do an investigation, and that I would receive a response via us mail in approximately 10 days. This was disruptive and very inconvenient with NO notice. 

I eventually received a letter saying that my account was closed due to 'regulatory issues ' with no explanation of what that means. 

I am now receiving notifications via text and email to get my new apple card. If I click the link, I get the account closed notification. So, it's pretty irritating to be debanked with no explanation, but now getting offers continually offering me a card only to be told my account is closed. 

I was NEVER even late on a payment! I made all payments on time or ahead of time and have never had this type of issue. 

I do not wish to have another card from them as I refuse to do business with companies that treat their customers like this. I would like an explanation as to why I was treated this way and is it legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
I called Bask Bank last Monday, XX/XX/year>, with a suspicion of fraud as I was receiving notifications for unauthorized logins. Bask Bank then offered to disable my account while they " investigate the issue ''. They claimed to provide me with an update on this process ASAP, however after four different phone calls, each rep. had said that they were unable to provide me with an update, as it is " currently being looked at by another team. '' I can not imagine it now taking eight days to resolve this issue, let alone provide me with just an UPDATE on what's going on. I currently have $ XXXX in this account and I need to move monies out of this account to make investments. This is a time-sensitive issue, which I exclaimed to them, and the conversation continues to go nowhere. They do not connect me with a supervisor, nor provide me with ANY details on the status of my disabled account. 

When the account is in the disabled status, you can not perform money movements in/out of the account. As I mentioned above, there are time-sensitive issues/investments that I need to fund ASAP, and Bask Bank is making it very difficult for me to do this. 

I have attached the four call logs below, where each conversation lead to nowhere. I have also attached proof of me attempting to move {$5000.00} around to make a time-sensitive investment, and the ACH being returned to Bask Bank due to the account being in the disabled status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I did not grant authorization to obtain credit inquiries and I would like these hard inquiries removed from my credit report. This is not fair to hard working people! 
Please help, thank you. Phone call XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found late payments from my credit card that were reported to all 3 bureaus. 
XXXX  XXXX : Late fees : XXXX ; Charge off : XXXX. 

I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
I am writing to address a distressing issue regarding my credit report that has had a significant impact on my mental health and well-being. I recently discovered an unauthorized item on my credit report, which has caused me immense stress and contributed to feelings of XXXX and XXXX XXXX XXXX. 

The unauthorized item in question resulted from the unauthorized use of my personal information, leading to its inclusion on my credit report without my consent. Despite my efforts to rectify this situation, including sending letters over 30 days ago, I have yet to receive a satisfactory response from your agency regarding sufficient validation of this account. 

It is imperative to understand that the presence of this unauthorized item on my credit report not only violates my rights but also exacerbates my mental health struggles. Furthermore, this account violates the Fair Debt Collection Practices Act ( FDCPA ), as it was reported without proper validation and authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to address a distressing issue regarding my credit report that has had a significant impact on my mental health and well-being. I recently discovered an unauthorized item on my credit report, which has caused me immense stress and contributed to feelings of XXXX and XXXX XXXX XXXX. 

The unauthorized item in question resulted from the unauthorized use of my personal information, leading to its inclusion on my credit report without my consent. Despite my efforts to rectify this situation, including sending letters over 30 days ago, I have yet to receive a satisfactory response from your agency regarding sufficient validation of this account. 

It is imperative to understand that the presence of this unauthorized item on my credit report not only violates my rights but also exacerbates my mental health struggles. Furthermore, this account violates the Fair Debt Collection Practices Act ( FDCPA ), as it was reported without proper validation and authorization.

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 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. 

I'm affected by Credit Acceptance Corporation shady tactics. In 2018, my car was totaled due to an accident. Credit Acceptance sent me a settle for less offer on the remaining balance. They gave me a date that the payment was due, just to send my balance to collections before the payment date. This caused my credit to drop XXXX. The multiple times i called, each representative told me that there's nothing they can do since its now on my credit report. I just learned of the class action lawsuit filed in New York against this company. This is the reason for my formal complaint.

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
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Upon purchasing hearing aid devices from XXXX XXXX in XXXX XXXX, I paid part cash and the retailer approved me for a CareCredit account with no interest for 24 months from the date of purchase. One year later, I received an interest change upwards of 40 % of my balance. The agreement that I signed at the retailer is for 24 months, no interest. 
I wrote a letter to CareCredit and they have not responded as to why the agreement changed from 24 months to 12 months. I went back to the retailer ( XXXX XXXX ) to explain the issue and they confirmed that I had signed up for 24 months, no interest. 
I sent the paperwork that I had to Carecredit confirming that I signed up for 24 months and they did not respond to my request to fix the interest rate. They are denying that I signed up for 24 months interest free account, the retailer and myself has the paperwork stating this is what I signed up for. Carecredit who processes through Synchrony Bank will not fix the issue. I would like the interest to be adjusted per agreement that I signed upon purchasing the hearing aid devices. I can not afford to pay for an attorney to handle this issue for me and would like guidance on how to rectify this situation.

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 2024-03-19 00:00:00
Product: Credit reporting 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:
In accordance with the fair credit reporting act XXXX  account XXXX 's XXXX XXXX XXXX  acct # XXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments 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