vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I had filed a complaint a week or so ago against this company for dropping my available credit for no reason. The first information I got from them they literally stated there was no true reason why they did so and the new paperwork I recover after my last complaint states they did it because I used my credit card put money on it and got a cash advance. And also stated that my credit was lower of course it was lower because when they randomly took over XXXX my credit dropped because my utilization went up. Thats what a credit card is for. I also have another credit card through this company with a higher limit than what I have now with this credit card and they havent dropped that credit limit at all. 
My credit score has dropped because of this companies bull. I had a XXXX credit score when they decided to pull what they did and drop my available credit over XXXXXXXX XXXX If I have to keep filing complaints I will until something is done because Im not the first one to deal with this in regards to this company. I prefer to settle this without lawyers getting involved.

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 2025-01-09 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:
To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific details of the repossession in question : [ List specifics, such as the date it was reported, the creditor 's name, account number, and any other relevant details. ] 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a. Who did you speak to? b. On what date? c. How long was the conversation? d. What was their position? e. What telephone number did you call? 
sincerely 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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The wire transfer from my joint account with my wife occurred sometime around XX/XX/year> The sum was {$51000.00} The Chase Bank XXXX XXXX XXXX in XXXX XXXX. 
The wire transfer was done late in the evening. 
The bank did not take any action to protect our money. 
My lawyer says that Chase has policy that any transfers above XXXX must be in person. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/, I used a XXXX XXXX XXXX. to pay my electric/gas bill XXXX XXXX XXXX  XXXX The app defaulted to the total amount owed XXXX XXXX XXXX instead of the amount I intended to pay, ( {$89.00} ) based on a written payment ( installment agreement ) between me and XXXX. 

I immediately contacted XXXX to reverse the funds ; since it was a weekend, I was advised to wait until the payment posted to my Capital One checking account, contact my bank Capital One ) and advise them they ( XXXX ) agreed it was a mistaken ( unauthorized transaction ) and they would agree to reverse the ( {$890.00} ). 

When I submitted the complaint to Capital One bank, and submitted the requested documentation, they informed me my request was denied based on insufficient documentation. I was told to resubmit the complaint- which I did, along with additional documentation. The claim was denied a second time. On XXXX XXXX, I spoke with Capital One and requested my case be escalated. 

Capital One has failed twice to follow up with me within their stated ( 15 ) day timeframe ; Ive proactively reached out to them and I still have not heard anything about my request. They asked me to submit sufficient documentation a third time and have failed to clarify why the documents I submitted failed to satisfy their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The company advertises on their website ( www.carecredit.com/mastercard ) the ability to manage and redeem rewards using a mobile app or on their website. The company also sends regular emails including a link that they claim will lead to a website with the funtionality to redeem rewards. 

Both claims are false. 

The mobile app does not provide me the ability to view, manage or redeem rewards, nor does the company 's website. 

I have spent hours on the phone with the company trying to resolve this issue and have submitted a previous complaint via the CFPB portal. The company claimed to resolve my issue but this was another lie. The company provided a contact for me to follow up with regarding the complaint. The contact also failed to resolve the issue. 

The company is advertising a feature that it does not provide, constituting an unfair and deceptive business practice.

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 2025-01-09 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed my credit report and noticed several fraudulent inquiries. These inquiries were not authorized by me, and I believe they were made as a result of identity theft or some other form of fraud. I am taking the necessary steps to resolve this issue and ensure my credit remains protected.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I mailed a letter to Citibank CBNA and requested the 1099C for my account since they had reported it as a charge off for XXXX. They denied my request.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recov Assoc XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX Problems with Transunion. 

I have tried for two hours to get connected with a live agent using Transunion online portal, online chat and direct phone calls. I have been sent into a non-stop series of revolving pages, help screens, verification codes, messages, chats, phone calls and nothing but more of the same. At several steps along the way, I was asked to give the same detailed personal information over and over. ie : Name, Address, SSN, Phone Number, DOB, etc. ( online and over the phone ) After exhaustive attempts with their online portal and live chat, I left the online portal and chat to try the phone call and I was connected right back to the same chat person that was online. (? ) What's up with that?? That is when I suspected that something might be amiss. 

Now I am concerned that someone may have hijacked their system and my information has been collected by who knows who.

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 2025-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday, XX/XX/year>, I received a text message from Capital One saying " thank you for sharing your phone number with us ... ''. I have never opened any accounts with Capital One, let alone visited their website, so I immediately called them to verify that no accounts had been opened using my information. They asked me to provide them with some information to check, which I did and the representative confirmed the information was current and forwarded me to fraud, which was really just an XXXX  robo call. My credit is usually frozen, but the robo call representative had me freeze my credit. This alarmed me that perhaps my credit was not frozen. I checked with all 3 major bureaus and my credit was indeed frozen, I had to call XXXX to freeze my credit over the phone because I was having trouble logging into the website to check to see if it was frozen. I then proceeded to place an Initial Fraud Alert on my credit with all 3 major bureaus. I checked my credit reports on XXXXXXXX XXXX XXXX  and no new inquiries were shown. 

On Wednesday, XX/XX/year>, I got a call from Capital One regarding " my account '' with them. I asked what account they were referring to and they said a XXXXXXXX XXXX store credit card. I now knew what my credit was being fraudulently used for. I informed them that I did not open this account and asked if they could close it. They said they would close it and would file a report to initiate an investigation, which would take 60-90 days. This put me on edge a little bit, especially because I RARELY go to XXXXXXXX XXXX unless I am dropping off my XXXX packages for returns. 

When I got home from work and line dancing that evening, I immediately went to check my credit report again for all XXXX major bureaus. I finally was able to reset my password for XXXX on my XXXX, their mobile website doesn't work apparently. Low and behold ... XXXX showed not only 1 new inquiry I didn't recognize, but 2! An inquiry from XXXX XXXX on XX/XX/year> and the one from Capital One on XXXXXX/XX/year>. It was too late to call, but I was stressing about it. 

This morning, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  and explained the whole identity theft situation. They told me an application was put in with a furniture store, the exact name was not disclosed and I didn't think to ask, and that it was pending and had not been approved. They cancelled the application for me and asked if I went by another name, to which I responded no because I never have. The representative informed me that my middle name was on the application and asked if I recognized it. As it is my middle name, I responded yes. The representative was very kind and filed a report to have the inquiry removed from my credit report and informed me it would take 60-90 days for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation