vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An application was submitted for a mortgage modification. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We have a cash back credit card with Citibank. We generally pay our balance off every month, so Citibank is not making a lot of money in interest payment from us. Lately, the company has been repeatedly putting temporary freezes on our cards so that we can't use them while they " verify '' that there haven't been any fraudulent purchases. They have done this multiple times this month, to both my husband and me. In the latest round, I called to get a freeze lifted, but they decided they couldn't verify my identity on the phone and would have to send me a letter, and that I would be unable to use the card for 5-7 days while I waited for the letter. The letter never came, so I called them and they said they would re-send the letter, and I would have to wait another 5-7 business days. At this point, I've been unable to use my card for weeks. I believe that Citibank is harassing us by making it impossible to use the card, in hopes that we will close the account, because they are no longer happy with the deal they made in signing us up. Is this legal? I am having no luck getting my card unfrozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a money order made out to Thresholds that was stolen and cashed at XXXX bank. I made 2 complaints to the consumer financial protection bureau about this and XXXX claimed to have sent a check to my bank on XX/XX/2023. My bank, XXXX has yet to receive this check for {$290.00} as of this writing. I am filing a 3rd complaint, this time with a declaration of unauthorized endorsement or altered item signed by my landlord saying they never received the payment in question. I also submitted my checking account statement of deposits going back 6 months showing no deposit of {$290.00} from XXXX has been made to my account. this getting increasingly frustrating to me. The fraud recovery manager from XXXX, XXXX XXXX has been impossible to reach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card that I began using around XX/XX/2022. I charged {$300.00} + {$900.00} + {$900.00} within a span of two months. This should add up to {$2100.00}, and it was all paid to my dentist. This is the only thing that I have ever charged with this card.. 
A couple of months ago I noticed that my balance was down to around {$1600.00} and then the balance changed to over {$2000.00}. I called them and asked what happened, and they said it was interest. I can't believe that the interest went up over {$400.00} in just a month. I asked them to send me a copy of all of my statements, and they never sent them. I also use to receive my statement ( e-billa ) through XXXX XXXX XXXX. For the last two months, every time I try to see my bills, it says : We are sorry, We a pologize our system is having technical difficulty retrieving your information, Please try again later. 
Something is starting to smell fishy here. I have sent this company {$1600.00} in payments over the last 21 months. How on earth do I now owe over {$2000.00} now. 
Can you please help. This is ridiculous!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a targeted email from Capital One in XX/XX/XXXX inviting me to apply for the Quicksilver credit card ( a card I previously had but was closed due to inactivity ). I applied on XX/XX/XXXX, and surprisingly, was immediately declined even though my credit score, based on Capital One 's XXXX tool, was XXXX or " Excellent. '' As I monitored for the adverse action notice, I continued to receive similar advertisements targeted to me about the special Quicksilver card offer. Upon reviewing the adverse action notice, I felt deceived as Capital One 's XXXX indicated I had excellent credit. I was planning to file a complaint at that time but time slipped away. 

Fast forward to XX/XX/XXXX. I received a similar advertisement via email indicating that my " loyalty hasn't gone unnoticed, '' inviting me to once again apply for the XXXX card. I applied again on XX/XX/XXXX, and was immediately declined. The adverse action notice I later received ( dated XX/XX/XXXX ) indicated my application wasn't approved based on the " number of bank cards tradelines opened in the last 24 months '' and that " there are too many revolving accounts. '' This is concerning as the advertisement was targeted to me even though Capital One 's XXXX tool already outlined the number of new accounts I had opened within the last 24 months as well as the available credit across all accounts. Furthermore, based on Capital One 's XXXX tool, my score actually declined since previously applying in XX/XX/XXXX ( to XXXX ). Although Capital One 's advertisement indicates within the " Frequently Asked Questions '' section that " your XXXX credit score will not factor into the decision to approve or deny your application, '' it is a misleading tool. It is like Capital One saying we are going to create this tool to help you manage your credit score, but we aren't going to stand behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC
State: AL

Complaint narrative:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report.

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt.

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required.

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a.

As I mentioned in my initial complaint, I have never done business with either of these companies, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. 

I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE NOT MINE. 
1 ) XXXX XXXX Partial Acct # XXXX 2 ) XXXX Partial Acct # XXXX .... 
3 ) XXXX XXXX XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
XXXX ) XXXX Partial Acct # XXXX .... 

I DONT KNOW WHATS GOING ON BUT NONE OF THE ACCOUNTS LISTED ARE MINE THEY SHOULD NOT BE ON 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between I XXXX : XXXX, TransUnion. I reviewed my credit report and noticed that TransUnion still furnished the same information that I disputed on XXXX XXXX and that's not being reported on the other two reporting agencies. Also, upon request for proof of the information being violated and verified on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to TransUnion. via certified mail in regard to the inaccurate information and how TransUnion did not do a proper Investigative Consumer report. I do not recall that TransUnion has sent out any further communication with me as the consumer in regard to an investigation consumer report but stated on the CFPB website stating that the collection ( XXXX XXXX  ) was updated and not verified. Since TransUnion haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report.

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt.

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required.

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IL

Complaint narrative:
This is in reference to a Discover Acct ending in XXXX. I am lodging a new complaint in reference to a adverse decision that Discover made in a complaint that was closed. Complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been going over my Credit and happened to come across some strange accounts on my report that I had no idea about

Company response to consumer: Closed with non-monetary relief