vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I disputed a charge where items were not received from a supplier. The supplier provided a statement that the items were delivered with a tracking number. I submitted emails to Chase from the supplier where they agreed to refund my transaction as the item was not received. Chase refuses to reopen or appeal the dispute with the proof I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : 1. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Experian account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

4. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : 1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

4. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received call from capital one bank on XXXX XXXX they said someone was trying to open credit card using my social security number in XXXX  . I live in XXXX XXXX  XXXX. they said they would not accept application. they transferred me to a person that said they worked for cpfb his name is XXXX XXXX. I have a complaint number of XXXX. wasn't sure if this was a legitimate call or a fraud scheme. the number he gave me to call back was XXXX XXXX XXXX when I called back they answered with consumer protection bureau. I hung up. I do not have a capital one card. both men had foreign accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, My Coinbase account is temporarily disabled/ locked for 48 hours. I had tried to reset my password but the 48 hours locked still applies to my account. I tried the toll free number but the pre-recorded support is useless. I am unable to contact any live person at Coinbase to resolve my issue. Therefore, I can not access to my funds/ assets while the account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 
I have attached DL/ SSN CARD/ Proof if residence for ID verification. 

Company Name Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate intentional, again EXACTLY as it appears on report ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I hope this message finds you well. Im reaching out to see if youd be interested in investigating what appears to be predatory billing practices by Comenity Bank, the financial institution behind Alphaeon Credit. My mother and I, like many others, have experienced ongoing issues with payments, unexplained fees, and poor customer service that have left us questioning the integrity of their business practices.

Heres a brief overview of our situation : We applied for preapproval for the credit card to cover my mother 's XXXX  XXXX in XXXX, and the account was opened on XX/XX/XXXX, even though the first XXXX was scheduled for XX/XX/XXXX. To our surprise, we were charged a late fee in XXXX, despite not using the card until the XXXX on XX/XX/XXXX. 

Since my mother had XXXXXXXX XXXX XXXX scheduled, Alphaeon opened two lines of credit under a single account number to address her medical expenses. However, when we made payments, they were only applied to one of the lines of credit. 

Despite making timely payments, Comenity consistently applied these payments to only one line, leading to late fees and negatively impacting my mothers credit score.

Upon inquiry, customer service informed us that we must call each month to manually request the splitting of payments between both lines of credit, a process that feels both unusual and burdensome.

Most concerning is that Comenity held our XXXX check for nearly two weeks before processing it. Subsequently, they charged us a late fee, despite our proof of timely payment, and they have no record of receiving the paymenteven though we can confirm that the check was cashed.

As frustrating as this experience has been, weve learned that this is not an isolated case. Many customers are reporting similar issues, as detailed on consumer complaint forums like XXXX, XXXX, XXXX. The consistency of these complaints suggests there may be a larger, systemic issue at play, possibly amounting to predatory lending or fraud. Heres another consumer from XXXX saying a credit line was opened without their consent, similar to what happened to us before my mother got the XXXX. 

Weve attempted to resolve this directly with Alphaeon and Comenity, but both companies continue to pass the blame, with neither willing to take ownership of the problem. Given the severity of these practices and their impact on vulnerable customers like my mother who is a senior citizen, I believe this situation warrants further investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My Name is XXXX XXXX and I live in NJ. I sent resident of Florida {$500.00} via XXXX XXXX XXXX XXXX XXXXXXXX XXXX to his Wells Fargo account on XX/XX/year> with sucess. The next day I wired {$11000.00} to his account at Wells Fargo via a regular bank wire. He gave me his " old Account '' number so my bank recalled my money and have beeen holding it for 28 days!! 

My bank has explained that Wells Fargo has the money and is holding it. Wells Fargo refuses to talk to me because I am not an account holder. The gentleman who has the account has contacted Wells Fargo several times and says the money is on " a hold ''. I would like to file a complaint at this time- They are holding my money without my permission. {$11000.00}. I have also filed a complaint form with the FTC. please help - my cell number is 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 2024-10-14 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: IL

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
This account was paid to XXXX the original creditor paid in full this account should have never been a collection account, contacted XXXX and even went in to the office and got proof but this company is refusing to take this account out of the Collections from my credit report, I paid XXXX personally. This is against the law I contacted this company numerous times and they have failed to get this deleted and updated like I was told they would

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There were XXXX accounts sent by Transunion to XXXX XXXX XXXX in which is a collection company. 
The accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts were disputed numerous of times in the past with Transunion in which I was told that an investigation was done however when it was placed in collections the company XXXX XXXX XXXX did an investigation and labeled the accounts as fraudulent at that time they were sent back to Transunion with the exception of XXXX in which they still have and labeled fraud as it sits in their office. 
Under 15 US CODE 1681i LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I felt a proper and thorough investigation was never done. Under the FAIR CREDIT REPORTING ACT, I feel my rights as a consumer were violated and I want these accounts removed immediately from my credit file as it has caused extreme damage to my credit.

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 2024-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank a wholly owned company of Bread Financial charged a late fee of {$37.00} in XX/XX/XXXX because I made two ( 2 ) payments on XX/XX/XXXX for the month of XXXX and XXXX for the minimum amount due and did not realize the minimum was increased for XXXX which was printed on the XX/XX/XXXX statement after I made the two ( 2 ) payments for XXXX and XXXX. I contacted comenity ie Bread Financial and requested waiver of the late fee, at which time I was advised on {$15.00} could be removed based on my outstanding payment history. I brought to their attention the CFPB rule that went into effect in XX/XX/XXXX that requires credit card lender with more than XXXX XXXX consumers to lower their late fees from an average of {$32.00} to {$8.00}, and the client services agent advised she was aware of the rule but theyre still working on implementation and adherence to the CFPB Rule implemented over six ( 6 ) months ago. Comenity/Bread Financial serves over XXXX XXXX consumers and should be compliant with the ruling of the CFPB within a reasonable amount of time versus charging consumers a late fee that equates to the consumers minimum payment amount due for the associated month. This is not only deceptive but also abusive. I have worked for the financial industry almost 15 years and anytime there is a CFPB rule change, we immediately jump to action to ensure were in adherence and mitigate borrower harm but a lender that serves over XXXX XXXX consumers and many retail stores seems unable to execute in the same manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XXXX of this year i received a letter from XXXX XXXX XXXX who is a debt collector trying to collect on a bank of america account ending in XXXX i immediately sent them a debt validation letter to show proof that the debt is valid. this was sent on XXXX of this year. it is now XX/XX/year> and they have not responded back to such request. therefore it is a violation of the fair debt collections practice act ( FDCPA ) therefore this account should permanently be removed from my credit report. 

i have contacted experian in regars to this matter and i have started multiple disputes with them. the account was previously removed from my credit report, and now its back on the report. 

by law they should also inform me on the re-insertion of a debt tp which they have not.

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 2024-10-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report is showing unauthorized hard inquiries, which violate 15 USC 16c-2. Please ensure these are removed.

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 2024-10-14 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-10-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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