vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Again in reference to CFPB Ref No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting a direct answer for the following, not acting in good faith or providing fraudulent information would result in a Security Exchange Commision whisleblower complaint and IRS form 3949-A for trading notes on secondary market which violates the filing with the Security Exchange Comission and not paying taxes on those notes that are still being traded. 

XXXX. Was the application that I provided for the credit card, the collateral for the line of credit? 
XXXX. Does your prospectus form that was filed with the Security Exchange Comission indicates that American Express can not verify the accuracy of the XXXX score and that they do not use standardized credit scores, such as a XXXX score, alone to determine the amount of charges that should be approved on a credit card account? 

3.Does American Express transfer receivables ( which are generated in a portfolio of designated consumer revolving credit accounts or features and, in the future, may include other charge or credit accounts or features or products, ) to the depositor and then the Trust and turn the receivables into asset backed securites?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am requesting to reopen a case with Capital One Bank, XXXX XXXX XXXX that still has not been resolved. 

Dear XXXX, Thank you for your reply. 
Capital One has not investigated this case thoroughly and the evidence/ documentation that I have provided does support my claim of unauthorized activity on my 360 Checking debit card ( XXXX ). 

Please answer the following question : How could Capital One refund me for one ( 1 ) unauthorized charge of {$500.00} and deny the other unauthorized charge of {$200.00} that occurred on XX/XX/2022 ( the same day ) at XXXX in XXXX? 
This makes no sense whatsoever. 

I am requesting to speak with an executive supervisor at your corporate office in Virginia, perhaps a phone call from the president/ CEO XXXX XXXX to discuss this matter further. 

No one at your organization has taken responsibility for the fraudulent/ unauthorized charges made on my 360 Checking capital one debit card ( XXXX ) at XXXX in XXXX on XX/XX/2022, where I do not shop at OR live by. 

My 360 Capital One debit card ( XXXX ) had unauthorized/ fraudulent charges made in XXXX on XXXX XXXX on XX/XX/2022. 
As stated in my letter addressed to Capitol One Corporate Offices at The Office of the President, Capital One, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2022 : *************************************************** On XX/XX/2022, I called Capital One bank at ( XXXX ) to discuss these fraudulent charges and a new case # was assigned XXXX. 
The {$500.00} charge was denied, the {$200.00} charge went through. These fraudulent charges were made at XXXX. It makes no sense that the second charge of {$200.00} went through since I replied, No for both attempted charges. 
This new case was going to be investigated and the representative could not understand how the second charge of {$200.00} went through either. 
The representative and I decided to have the new debit card sent to my home address instead of my XXXX XXXX since the last debit card was stolen in transit. 
The representative confirmed that the card stolen ended in XXXX. 
***************************************************** I will be providing a police report which states the facts and provides supporting documentation for this case/ complaint. 
Capital One Bank has not investigated this case thoroughly and the way that this case/ complaint has been handled is beyond disbelief. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THIS ACCOUNT FROM HOME DEPOT OPENED UNDER MY NAME WITHOUT MY CONSENT AND OPENED FARUDENTLY

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 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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 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 2024-02-03 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: V and H Portfolio
State: FL

Complaint narrative:
I submitted complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report. I would like to have this resolved immediately because i need to close on my home in less 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I submitted complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report. I would like to have this resolved immediately because i need to close on my home in less 30 days.

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 2024-02-03 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: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on my credit report. 


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 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 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 : Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction. 

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Mailed multiple letters trying to verify this debt they say I owe however havent received anything stating this debt is correct or belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is falsely claiming I owe medical debt. I have called and requested they contact XXXX to verify the false claim and they did nothing. I also mailed a copy of the paid off receipt but they did not do anything to update their system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I do not recognize these credit inquiries on my credit report. I have asked credit bureaus remove these these inquiries and they not. I am providing a copy of Identity theft report. I am asking for these inquiries to be removed because they are inaccurate and not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I do not recognize these credit inquiries on my credit report. I have asked credit bureaus remove these these inquiries and they not. I am providing a copy of Identity theft report. I am asking for these inquiries to be removed because they are inaccurate and not mine

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.

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 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 7 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I applied for a XXXX card but had put a freeze on my credit due to Medicare being breached, was notified by XXXX on XX/XX/XXXX to call TransUnion, lift the freeze then call XXXX to process. Lifted freeze eff. XX/XX/XXXX thru XX/XX/XXXX, XXXX neglected to process the application and I was told to do it again on XX/XX/XXXX, called TransUnion, was asked security questions about ex husband???, been divorced XXXX XXXX XXXX I know nothing about him, would not lift freeze, said I failed security questions. XXXX is going on??

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 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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 non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on my credit report. 


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 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 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 Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction. 

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

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 2024-02-03 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: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on my credit report. 


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 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 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 Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction.

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

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 2024-02-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THE ACCOUNT OPENED UNDER MY ACCOUNT WITHOUT MY KNOWLEDGE AND IT WAS OPENED FRAUDENTLY

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