vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: OH

Complaint narrative:
On XXXX, XXXX, I looked at my bank account and noticed a random charge I never made from a website called XXXX, which is a womens clothing company based out of the XXXX. I disputed the charge with my bank. I am a XXXX  with a husband and a step son. No women in my household that I purchase clothing for. If I buy anything for a woman, its a gift card so they can pick what theyd like. Ive reached out to XXXX customer service, and I can not complete a call, itll hang up before I speak to anyone and I make sure to call during their business hours as I would like to know what was ordered. They gave me dates from XXXX as to when the item was ordered, and other information leading to the item being delivered with my address on it. I filed this dispute on XXXX, and they said the item was delivered on XXXX, which it never was as I have cameras around my house, but they only store the last 10 days so I do not have the footage anymore. My dispute claim is XXXX. 
My bank, Netspend SkylightOne has denied my dispute after 4 months. I have reached out to them asking to speak to a manager about reopening this dispute, or resolving this. They just tell me to review the information sent to me and they can not reopen it as they settled the dispute on their end. Ive had multiple co workers tell me their accounts got hacked and entire bank account drained. My money does not feel safe with this bank if this is their idea of security.

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 2024-04-17 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: TX

Complaint narrative:
TransUnion XX/XX/2024 DEPT ED XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} Theres no original contract or no original ink signature. 

XXXX XXXX XXXX {$12000.00} Past the statute of limitations XXXX {$8400.00} Theres no contact info available for this creditor

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a credit card with XXXX XXXX 's through Comenity Bank that I paid in full by the due date in XXXX. The following month I received a bill ( fee ) for {$2.00}. I called Comenity Bank regarding this fee, and they advised me that it was accrued interest. My wife had a credit card with The Childrens Place through Comenity Bank that was paid in full by the due date. The following month she received a bill ( fee ) for {$2.00}, again accrued interest. They are the only bank that that I am aware of that charges this fee after the balance is paid in full. Is this s legal charge? If not, how many customers are they charging this fee to illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office XXXX XXXX XXXX without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - -- - Incorrect XXXX : XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  - XXXX XXXX agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office XXXX XXXX XXXX without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - -- - Incorrect XXXX : XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Transunion.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I reached out to Equifax via the dispute portal to file a complaint on information provided on a car loan account on 2019. The load was provided by XXXX XXXX XXXX on XX/XX/2019. 

I provided Equifax copies of the loan agreement, included in this complaint, as well as copies of payments confirmation, also included in this complaint, that proof their information is not accurate. However, they continue to report the wrong information. This has hurt my credit profile by lowering my credit score which, in turn, cause me to get higher interest rates on my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received an alert from XXXX that a hard inquiry was done by JPMorgan Chase Bank on Monday XX/XX/2024. I did not do this. I also received a Freedom XXXX credit card from them in the mail on Tuesday XX/XX/2024. I called them and reported to them my concern of fraud. I told them to shut down this card and I would be contacting XXXX to also start a fraud claim on my credit report. I called XXXX right after. JPMCB said that they are unable to tell me where/how who opened the credit card ; the only information they could tell me was that it was opened on XXXX. They said they are sending me an ID theft kit and to follow the instructions. I called XXXX and reported this. XXXX told me to got to ftc.gov or file a police report and report the fraud/identity theft. Once done to send it to XXXX. I am very concerned because someone is pretending to be me and it affects my credit and sanity. Please help me. My cell phone is XXXX. They both said the card was closed. My credit score dropped significantly. I am upset about that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Is reporting to XXXX, XXXX, XXXX 2 Different accounts one for {$4300.00} and {$3900.00}. I have sent dispute letters to the company, nothing has been resolved, I am 100 % sure they have the incorrect social security number and this is illegal to report false and Inaccurate information Date opened, XX/XX/XXXX and Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I received a check from a prospective client wishing wanting me to complete services. After attempting to deposit this check, the bank found it to be counterfeit, and closed my account assuming it was me who is the fraud, not my client. They closed my business account without notice, and are holding all my business 's funds for over a month, effectively putting me OUT OF BUSINESS! They simple repeat, " I do apologize '', but never can answer why nobody called me about it, or explain how I've been the victim of fraud yet they treat me like the criminal. It's disgusting, and I am struggling to keep my doors open and family fed at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 I made a claim that there were multiple charges on my account that I did not make with Capital One credit card ( XXXX card ). I've noticed a lot of charges that were not mine and called Capital One to have this matter resolved as soon as possible. 
During that time I was not in the area in which these charges were made - the last known charge in which was mine was on XX/XX/2024 with the merchant XXXX XXXX XXXX XXXX XXXX for {$40.00}. I stated to them that I did not have my card physically and when I found out I called them immediately after the fact to have the card replaced. The places in which the fraud charges were made in areas I do not ever visit ( XXXXXXXX XXXX XXXX etc  ). 

I have attached the initial fraud acknowledgment letter for all fraud charges that were not mine. 

The company so far has rejected my fraud claim and placed all fraud charges back on my card.

Company response to consumer: Closed with monetary relief