vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ive called capital one multiple times within the past 3 years trying to get an account that was opened in my name using a different phone number and address that ive never lived at the account was opened XX/XX/2020 and it was a {$500.00} credit card that was charged over {$1100.00}. This account has prohibited me from increasing my current credit limit, purchasing a car and a hole number of other things a XXXX XXXX XXXX trying to live would need. capital one asks for the address and number of the account everytime i call and every time they say the address doesnt match the one ive lived at and neither does the number but they proceed to say im linked to the account somehow but wont tell me other than the fact they wont close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AZ

Complaint narrative:
On or about XX/XX/2024 I requested a transfer of {$800.00} from go card to my debit account. I provided the required direct deposit information and on XX/XX/2024 was given confirmation that the transfer was successful. However, {$500.00} of that transfer was pulled from this account and never arrived at the receiving account and has also not been returned to the go card. It is in limbo somewhere. The receiving bank has no notification that any money is pending despite it being 4 business days since confirmation was received and I can not get ahold of a human agent despite making 72 attempts over the last three days at various times of the day. I want my money refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was ruined by XXXX, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. 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 2024-04-15 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: FL

Complaint narrative:
I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I appreciate your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I did not authorize nor applied credit for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/24 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2024-04-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I visit a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX first requested my insurance information which I provided. Once they confirmed insurance would cover the services, they proceeded to schedule the appointment. After the appointment ended, XXXX XXXX charged me an amount of {$50.00}. The XXXX never provided further explanation on what this charge was for. This charge was never mentioned to me by the XXXX before the appointment. Instead they decided to charge me after all services were rendered. I then decided to contact chase and open a dispute. Chase never contacted the merchant once to at least ask them about the charge. Chase informed me their reason for not doing a charge back and contacting the merchant is due to " pay by other means ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
Clarity is reportng my information without my consent. I never did any business with them and yet they have reported checking information, email, name, date of birth, and address to third party creditors and bureaus without my knowledge. They also reported balances inaccurately without my knowledge which is violating HIPPA law and 15.USC.1681C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
Clarity is reportng my information without my consent. I never did any business with them and yet they have reported checking information, email, name, date of birth, and address to third party creditors and bureaus without my knowledge. They also reported balances inaccurately without my knowledge which is violating HIPPA law and 15.USC.1681C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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 did not authorize nor applied credit for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2024-04-15 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:
I recently noticed EQUIFAX that I am a victim of identity theft. the fraudulent / error accouts reporting on my credit report are not accounts that I opened or authorized in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX CO ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I reported my wallet lost to capitol one and stated there were unauthorized transactions on my account. I live in XXXX  and transactions took place in XXXX. Capitol on denied my claim because cars was present

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. XXXX had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.

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 2024-04-16 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: CO

Complaint narrative:
XXXX is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. XXXX had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: NY

Complaint narrative:
Hello my name is XXXX XXXX I rented from XXXX XXXX at XXXX XXXX XXXX XXXX TN last year and during move in they gave me dirty apartment and said you do not have to pay for it as you have recorded it in the inspection list during move in. So after I moved out in XXXX last year everything was good until this XXXX they reported my account to collection about the cleaning charges. I asked them to send evidence of cleaning and I will pay the charges which was never sent. So I reported this to XXXX and XXXX. XXXX did the investigation and removed that from my account as it was a fraud charge. But I have been doing back and forth with XXXX since 2 months providing them all documents, police report but still without doing the investigation they are saying account belongs to you. whereas I reported about fraud charges and not about account belonging to me. So please help me with this to complaint about XXXX not doing the investigation. Also I was even assaulted in the community for which I had to call XXXX and I had asked to move-out but they said you have to stay the whole term till the end of the lease and never did leave me to move out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear cfpb Today I contacted Chase Bank again, and this shameless bank, despite clear evidence, has embezzled {$680.00} under the pretext of a merchant rebill and demanded repayment. 

The items I purchased on XXXX in XXXX were out of stock, so the orders were canceled, and the merchant refunded the money. However, despite multiple attempts to have my balance adjusted after the refund appeared on my credit card, the bank refused to cooperate, insisting on embezzling this amount. 

Today, when I contacted them again, they shamelessly cited the merchant rebill as the reason for not adjusting my balance. This disgraceful behavior by the bank warrants legal action, and I urge authorities to supervise. 

The merchant has already refunded the money without shipping any goods. It is now Chase Bank that is embezzling this amount and shamelessly fabricating various lies! 

Thank you for your attention, and I appreciate the oversight by the authorities. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.

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 2024-04-16 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I got a report on my XXXX XXXX XXXX account that my score decreased because there was an inquiry and account was tried to be obtained and opened. When I tried to contact the company, the phone is disconnected. They sent me an email with an address I had about XXXX  years ago. The email had no way of responding to them, and only asked for me to provide my personal information to them via fax. This has messed up and lowered my credit score and I want this immediately removed from my credit report. I never made this inquiry and feel this company is a scam, or someone is trying to do something with my information. The inquiry hit my credit report yesterday on XX/XX/2024 and I got an email from the company today, XX/XX/2024 requesting my personal information. I spoke to a XXXX representative and was told how to go about this. The phone number they gave me for the company is disconnected.

Company response to consumer: Closed with non-monetary relief