vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed XXXXXXXX XXXX prepaid card reported opened XX/XX/2023. XXXX XXXX, XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.

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 2024-03-17 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: AL

Complaint narrative:
I disputed XXXX XXXX  prepaid card reported opened XX/XX/2023. XXXX XXXX XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.

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 2024-03-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
After sending several rounds of disputes I have not gotten any justice. This complaint is in regards to XXXX Account number XXXX in the amount of {$14000.00} that Equifax continues to report on my credit report. 

This account has been charged off and according to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income is not to be reported as a debt on any credit report because it is considered income and not a debt owed.

This is also a direct violation of my privacy and rights according to the Violation of Privay Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I keep receiving daily emails from Halstead Financial Services indicating that XXXX XXXX XXXX is the current creditor. I dispute b/c I dont owe either company nothing, which I dont have a contract with either & I dont know who/what this company is. Its to the point where I feel harassed. I also believe they have also been calling and leaving threatening messages, not only calling myself but has called my son & friend, which is ridiculous. Dispute reason contract cancelled as I dont have a contract. Please remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Not granting me e the opportunity to to increase my line of credit I have maintained a positive balance with no interest or late fees. for over two years I have maintained a balance of capital with JP Morgan, prejudice decisions have hender me from establishing a significant amount of credit.with my credit score I can apply for a house but can not get a secure line of credit with a capital balance in the Bank. My brother 's and sister to whom which uphold the power to capitalism have hender me by making bias and prejudice decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
in regards to response XXXX, i feel Capital One should return my money They did not and will not be allow me to continue using the bank. I feel if they do not return my money they could have still allowed me to be a customer at the bank. i spoke to a XXXX XXXX who said the scam began with Capital One having my money and should refund it back to me. i am o a fixed income and hurting because of this scam. i want an explanation why i can have neither one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC
State: FL

Complaint narrative:
On XXXX I was in an urgent situation and needed a payday loan as soon as possible. I applied online and was approved for {$1000.00} payday loan. I received a call from XXXX XXXX immediately after I received the notice that I was approved. I called back XXXX XXXX XXXX XXXX XXXX XXXX spoke with the rep and gave them all of my information just confirming what they had on the application, my Social Security number my bank routing number my pay dates and I was told that I would receive the deposit within the next business day by XXXX  because I had completed the application after XXXX XXXX on that day. I never received deposit/loan so I emailed them this message below. On XX/XX/XXXX to XXXX Hello - I still have not received my loan? What is going on this was meant to be for an urgent matter?!?! I dont need the loan anymore if it is going to take longer. I was told it would be deposited by XXXXXXXX XXXX XXXX 


I never heard back. I only received a letter saying that my application was denied adverse reaction so Im very concerned now that they scammed me into just getting my personal information and I want this to be reported. I tried getting on their website and it says it is no longer found, or it is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: VA

Complaint narrative:
With a PNC line of credit, once you borrow against the line of credit, PNC will not let you repay it for 5-7 days via their online service. However, you can call in to a bank teller to process the transfer, so it's not a term of the line of credit. The website will show the remaining credit in realtime but will not allow the transfer of funds into the line of credit for several days. The customer service rep said that their website was old and it took several days to update the balance in the transfer feature on the line of credit. This was first reported several years ago and still has not been fixed. It enables them to systematically charge 5-7 days of interest on any funds pulled from the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
The loan is still showing on my credit report even though the account it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Two days ago I opened a venmo account to receive payment from something I sold. I have tried and tried to use this money or transfer it every way, and even asked support for help which did nothing at all. Now I need my money bad and can't just sit and wait an indeterminate amount of time for MY OWN MONEY, to be cleared for transfer so I can actually use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Figure Technologies, Inc
State: IN

Complaint narrative:
Someone used my information to get a loan in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
All accounts with Synchrony Bank. All have been paid in full except one account. I attempted to open a secured account with XXXX. Synchrony Bank still sends a statement with a negative balance. I dont understand how this continue to happens. Closure is closure.

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 2024-03-17 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: GA

Complaint narrative:
The Experian Credit Bureau has improperly used incorrect information to obtain information. That is a complete violation of my rights. They must get consent from me to inquire information. 

The addresses XXXX XXXX XXXX XXXX XXXXXXXX and None XXXX XXXX are inaccurate addresses.

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 2024-03-17 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: GA

Complaint narrative:
The Experian Credit Bureau has improperly used incorrect information to obtain information. That is a complete violation of my rights. They must get consent from me to inquire information. 

The addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX and None XXXX XXXX are inaccurate addresses.

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 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
Sunrise debt collector started contacting me about a supposed debt for {$99.00} from XXXX XXXX. This debt was due to a fraudulent charge from XXXX XXXX. Sunrise has not responded to my attempts at XXXX  and has not provided any way to resolve the fraudulent debt. Despite not responding my attempts at contacting them to resolve this, Sunrise has continued to send messages and make phone calls to collect this fraudulent debt.

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 2024-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On Wednesday XXXXXXXX XXXX I purchased the card and had it activated in store at a local XXXX Later that day I tried to use my card online, on XXXX and XXXX though both sites declined my card they both took XXXX XXXX when I added the card to the sites ( XXXX took XXXX cents as I attempted to re-add the card ). I then called customer service regarding those charges as they have never happened before and to ask why my card had declined. They assured me that they would reverse the charges and that nothing had declined. They said in 24 hours everything would be fixed. I waited two days the charges remained, I then reattempted to make a purchase on XXXX and then XXXX both declined. I then called customer service again, explained my situation and they told me they unblocked my card and it would work in 24 hours I waited and tried again. It continued to decline. In spite of the fact that they admit its their mistake they have done nothing to actually fix the issue. I had called them a total of three times with absolutely no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit score is dropping because inadequate information I have not had a roll over balance with capital one that's power by credit wise. And credit wise is submitting information that is effecting my score. Also using persuasive tactics to get me to apply for more credit by dropping my credit score. I have maintained a positive balance with no interest fees applied at for over 8 months with no roll balance. I have been targeted and treated differently with prejudice decision from the above XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm uses XXXX to link banks and they won't accept my bank but XXXX XXXX XXXXXXXX  forced the link without authorization from me. I reported this to XXXX and Affirm the first time I had a refund on an online purchase NOT GO TO THE LOAN but to this random bank account, without authorization. Clearly they use my bank to take payments, but they claim my bank isn't supported and force a link that the consumer refused to complete because they didn't want that account linked. I habe emails from XXXX proving they forced it because I didn't pick a brokerage account location. Then XXXX automatically completed the linking I didn't want. So I reported it and closed that bank account immediately. Then Affirm did it 2 more times, after being told and reported to fraud department, but the money couldn't go to the closed account so the representatives treated a CANCELLED LOAN like a refund and placed the funds under another loan on my account. It's illegal to force consumers to pay a loam for an item they never received. They admit they know it was canceled and that they made a mistake but insist NO ONE IN THE ENTIRE COMPANY CAN FIX IT and I habs to pay a loan, and its interest, when I never got the time and it was canceled. Then they took another refund and claimed the credited it to the same loan, but the loan amount is now higher than it was, before the {$450.00} refund. So they can't add, they are intentionally violating consumer laws, both state and federal, they are refusing ANY ESCALATIIN AT ALL and keep having regular reps answer escalation matters, with the same " oh so sorry but we can't fix it ... '' there is no way to contact a CEO office or consumer affairs department. This company is a massive violation of multiple laws and you CFPB are just sitting on your XXXX with little weird faces of XXXX... it's shameful. Oh and find reps hung up on me when I was wiating on hold for managers that dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: OH

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { Account XXXX XXXX XXXX }. The late payment is only showing on 2 CB reports which prompted me to investigate because I was never late. I wrote letters to the CC with no response. On XX/XX/XXXX I called and spoke with XXXX regarding the dispute who advised me although it was reported in error, he is unable to update the account as they only have the ability to make updates going one year back. 

This late payment has been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit 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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I contacted Capital One on XXXX to request a lower APR for my business credit card & regular credit card. The agent ensured me that negotiating a new APR is not something that the company does. I then asked if they were able to match the interest rate for a competing credit card company. The agent told me I was stuck with the high interest rate that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Unauthorized inquiries I've recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Unauthorized inquiries I've recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-03-17 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: TX

Complaint narrative:
On XX/XX/2024 I started a multiple step process to apply for financing with Carvana. 
I was told I was pre approved initially. 
After submitting all of the documents required there was an identity check questionnaire I had to complete. I attempted to answer all questions correctly, however because I didnt answer correctly they could not move forward with loan. 
I feel that this company is using deceptive practices by pre approving consumers, then when they decide its not an approval the company presents impossibly questions that will not be answered correctly in order to circumvent the adverse action process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { Account XXXX XX/XX/XXXX }. The late payment is only showing on 2 CB reports which prompted me to investigate because I was never late. I wrote letters to the CC with no response. On XX/XX/XXXX I called and spoke with XXXX regarding the dispute who advised me although it was reported in error, he is unable to update the account as they only have the ability to make updates going one year back. 

This late payment has been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Company response to consumer: Closed with explanation