vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/2023 I received an email stating the following Account ending in XXXX Avoid interest with this balance transfer offer 0 % APR | 12 Months | 3 % Transfer Fee After that, any remaining balance will return to your 28.99 % variable APR. 



See offer details XXXX, By transferring a balance from a higher-interest lender to your XXXX account, you can save on interest and simplify your finances. 

With this offer, youll enjoy 0 % APR for 12 months 3 % transfer fee After that, any remaining balance returns to your Purchase APR, which is currently 28.99 % variable APR. Make sure your transfer posts by XX/XX/2023. Here are just a few reasons why you should take advantage of this offer I have been unable to receive this offer and then when I called XX/XX/2023 at XXXX, the balance transfer specialist told me that the offer was taken away. When I told her they can't do that, because the terms in the personal email specifically state that I have until XX/XX/2023 to make a decision, she said that's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have received 13 calls in the past two days from Comenity Bank regarding a credit card that is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/2023 letters were mailed to capital one and all XXXX credit company to validate my credit report under 15 U.S.C. SEC 1681i ( a ) XXXX, XXXX, XXXX XXXX are still reporting false information this account was charged off.05/18/2018 but still showing last date reported XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023. 
Also XXXX XXXX never responded to none of my 30 days letter to Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: VA

Complaint narrative:
The student loan debt listed on my credit report should have been discharged inXX/XX/2013 under Bankruptcy Case XXXX XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a disputed charge. On XX/XX/2023 Bank of America sent me a letter ( received XX/XX/2023 ) that requested additional information about my claim to be received by them " by XX/XX/2023 ''. 

A second letter was received from Bank of America, dated XX/XX/2023 ( received XX/XX/2023 ) stating my claim was denied. 

They denied my claim BEFORE the date stated in the first paragraph. 

Additionally the denial letter stated that BofA had " completed our research ''. I have tried to determine the " research '' via the stated phone number, the web and my local branch to no avail. 

Regards, 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 explanation
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After multiple failed attempts Experian continues to publish erroneous information pertaining to my credit profile. I've been disputing accounts with Experian whom continues to respond that they have investigated my complaints which they claim are accurate and verifiable. I deem this information to be false based on the DELETION of the same accounts from other Credit Reporting Agencies. Per the Fair Credit Reporting Act all information must be 100 % accurate. This stands as a violation of the FCRA for multiple violations 15 usc 1681e ( b ) ( Accuracy of Report ) 15 usc 1681c ( 5 ) 15 usc 1681 ( b ) Reasonable Procedures 15 usc 1681 ( a ) Accuracy And Fairness Amongst other violations these inaccurate reports have negatively affected my credit worthiness.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I, XXXX XXXX, approximately dated XX/XX/2022 was victimized of phone fraud and elderly abuse. I thought I was talking with XXXX XXXX  XXXX personnel, unbeknownst, to me, the caller was asking for my account information and balance, the caller stated that my account was charged {$18000.00} about child XXXX. The unknown caller further stated that he/she can assist me. I was so frightened and disoriented about the charges and such charges as this. The caller stated to further assist me I needed to go to certain places and obtain gift cards in varies amounts to further utilized my own credit card. I went to varies stores and I did exactly what the caller requested in amount of {$2000.00}, i scratched the cards and sent via image over the phone as they had requested. As i realized after talking with my son, I informed my son what had happened, frightened in my mind about the charges of child XXXX, I thought the police would show up at my door. I immediately went to the nearest police station and filed a report. I there after went to XXXX XXXX  XXXX only to be even more victimized. As of XXXX XXXX, I am now receiving debt notices from the collection agency, which XXXX XXXX XXXX XXXXXXXX apparently sold my personal data information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: VA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Please reference case complaint number XXXX Capital One is again sending mail to a previous tenant who has not lived here since at least before 2020, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX even though Capital One knows from my previous interactions with Capital One that this guy doesn't LIVE HERE FOR OVER THREE YEARS. AND CAPITAL ONE SAID ONLY THINGS ADDRESSED TO ME WOULD BE SENT AND THEY WOULD REMOVE ME FROM MAILING LIST SO NOTHING FROM CAPITAL ONE SHOULD EVER BE SENT TO ME LIKE THIS CAPTIAL ONE IS HARRASING ME and violating the privacy and PII of XXXX. Yet again. Which I have informed them of for SEVERAL YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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 did not initiate these Accounts 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 2023-07-25 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: VA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable 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 2023-07-25 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: VA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable 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 2023-07-25 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: LA

Complaint narrative:
I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXXXXXX - 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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a bill in XXXX for a charge of {$170.00} in my name XXXX XXXX. I no longer remember the company. I contacted the company at the time. A male representative could not confirm a claim of debt by said company and informed me they had no such record. Therefore could not send me an invoice of billing. I assumed it is a billing created on the dark web to sell my personal information. I waited for said charges to show up on my credit report. 

Jefferson Capital contacted me by mail XX/XX/2023. XX/XX/2023 they showed up on my credit report, claiming a debt of {$170.00}. They note the original debtor to XXXX. On XX/XX/XXXX I finally found company online and called number given online store I talked with a XXXX and a XXXX. The informed it maybe registrations cost. I asked them to send billing. They claimed they had no billing invoice on file in my name they could send. I asked them to send a letter verifying our conversation to email : XXXX. I have yet to receive email. 

Jefferson Capital gave me an email to which to give correspondence. XXXX given to me XXXX XXXX XXXX XXXX XXXX No one I talked to seem to have access to email or able to interact professionally in business communication to clarify or rectify issues that maybe in dispute. 

Jefferson Capital is unable to verify the existence of their account number XXXX or Reference Number XXXX. Recently someone has been tampering with my credit report and credit card information. I have had issues with my email. Dont know if there is a connection. Yet it came during the time Jefferson Capital began communication with me an attempt to just verify my personal information and identity. 

Enclosed is website information : https : //www.ftc.gov/legal-library/browse/cases-proceedings/062-3212-compucredit-corporation-jefferson-capital-systems-llc XXXX XXXX XXXX  The main numbers I contacted regarding this matter : No one seems to be able to produce a invoice of billing. 

XXXX XXXX XXXX I no longer contact creditors unless I can identify the debt or can trace the company VIA internet claiming a debt, because I been a victim of too much fraud and identity theft. I no longer pay any claims unless the company can produce reasonable explanation of claims. 

I have notice, bad artificial persons want to claim billing 5 years after business has been completed. I assume because they understand a household may not keep infinite records. It is time consuming finding said records. Or worse an employee could misuse personal information given in the course of doing business. Thats why I pay in full for common purchases that may represent leisure. 

I may have never been indebted to {$170.00} to XXXX. I no longer recognize the name as being a company with which I have even done business. It is plausible. Employees can not verify any transactional information in writing that accrued an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE BANK CLOSED MY ACCOUNTS XX/XX/2023 AFTER 9 YEARS OF GOOD RELATION SHIP I NEVER GOT ANY PROBLEMS I CALLED THE NUMBERS AND NO ONE GAVE ME A ANSWER FOR CLOSING MY BUSSINES AND PERSONAL ACCOUNTS. I DONT THINK IS FAIR BECAUSE I BEEN DOING GOOD SO I CAN GET A LOAN FOR A HOUSE. NO ONE HELP ME TO RESOLVE THIS PROBLEM THEY CLOSED MY CREDIT CARDS AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: IL

Complaint narrative:
I have {$1200.00} in a capital one checking account, I have been trying to resolve this issue since XX/XX/2023. I called capital one again today to try to resolve the issue of getting my funds out of the account and the representative I spoke with told me that capital one is not going to do business with me. I would like to share that one of the checking accounts is negative about {$180.00}, capital one keeps calling about the account but will not let me get access to my money from the other account to satisfy this negative amount. Whenever I call I get a voice machine that tells me to leave my name and number but I do not get a response back. I do not believe that capital one is operating in good faith, as they are not giving me access to funds, and are not taking my calls but are still trying to collect. 

They told me to go into a location, I went into a capital one location in XXXX, I was turned away, they are not assisting with getting my funds. I have already contacted a lawyer regarding this matter. 
I was told the accounts would be closed and there is no frame to the conclusion of the cases being reviewed- as to when I would get my funds. 

spoke with XXXX on XX/XX/2023 who told me there is no conclusion to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: PA

Complaint narrative:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( Bank )

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 2023-07-25 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: PA

Complaint narrative:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: PA

Complaint narrative:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and JXXXX 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I have had a mortgage since XX/XX/XXXX initially with XXXX XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to Mr. Cooper ( NationStar ) ; my credit report has been absent of any payments made on this account since it was transferred to Mr. Cooper NationStar. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NJ

Complaint narrative:
I did not initiate these Accounts 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