vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my account in XX/XX/2023. I payed everything in full as stated in the statement balance XXXX XXXX XXXX  and XXXX. Then in XX/XX/2023 I was charged an interest charge of XXXX XXXX XXXX and XXXX  and also charged a late fee of XXXX XXXX  in XXXX. I called and asked why?? I let them know that I have never had this problem before. They can go back and check my account ; I have excellent payment status. I am being XXXX! nothing was done. They said it could not be fixed and that I had to pay regardless!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-01-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a persistent issue regarding the account labeled " XXXX XXXX XXXX '' on my credit report, which has been repeatedly deleted and re-reported by Experian. This erroneous reporting is negatively impacting my credit, as the account does not belong to me, and I have not authorized its inclusion on my credit file. I must stress that the continued deletion and re-reporting of this account by Experian is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports. In this case, Experian 's actions are not in alignment with this requirement. Attached you will also find my ID as a proof of my Identity.

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 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXXXXXX  I applied for the XXXX credit card online. They use Comenity Bank. After I applied and was approved, i never received an email with the card information. I also noticed there was not one hard inquiry on any of my credit reports. Due to not receiving an email showing my account info i did not have the ability to use my new credit card until i receive it in the mail. This costed me my {$15.00} off first purchase first day with XXXX. 

On XXXX i called comenity bank. They stated i should have received the email when i got approved for my card. We confirmed that my email information was correct. I asked for it to be resent. They said they do not have the ability to do so. They said there was nothing they could do but for me to wait up to 10 days for the credit card to be sent in the mail. 

On XXXXXXXX  I called back to cancel the card. At first they said that was not possible until i got the card in the mail. After jumping through some hoops i got them to cancel the card. I have no verification of that though. No email. They said they will send a letter. 

I had a terrible experience with comenity bank. They obviously do not report to the credit bureau in a timely manner, seeing i never saw a hard inquiry. 

Now i am worried what will happen on my credit report! Also. Not knowing my card number means this report will not be sent to comenity! They should not be able to so this to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: KS

Complaint narrative:
XX/XX/2023 ASK TO TAKE A FRAUDULENT INQUIRY OFF MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NJ

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXFalsely reported a claim of debt in the amount of {$190.00} that stated false reporting on my credit profiles which was found to be inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Well, I got a notice from XXXX XXXX that an account was opened in my name ( Capitol One ) and I went to Capitol One and was told that the account is with Walmart. I went to Wal-Mart to dispute the account and was told to file a police report, I'm just trying to stop the fraudulent account and I just got hit for XXXX points for an account that I didn't opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-02 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-02 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: Early Warning Services, LLC
State: NC

Complaint narrative:
XXXXXXXX XXXX  WRONG SSN SHOWN ON MY REPORT - REMOVE IMMEDIATELY XXXX XXXX XXXX - INCORRECT ACCOUNT DETAILS-REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I'm dealing with EdFinancial Services for my student loans and they have been a XXXX. I just graduate at the end of XXXX and they have my loan payments set up to start on XX/XX/24. They have bypassed the XXXX months grace period. In addition, I confirmed with the studenloans.gov that my loan repayment starts in XXXX, not XXXX. I call their customer service and said they would look into it, and they will make the change, this was two ago an nothing has been done. When I ask to speak to a supervisor, they are never available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NC

Complaint narrative:
XXXX XXXX  {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX {$10000.00} REMOVE ACCOUNT XXXX  XXXX  {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX  XXXX {$3400.00} XXXX  XXXX {$1500.00} XXXX requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.

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 2024-01-02 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: NC

Complaint narrative:
XXXX XXXX  {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX XXXX$10000.00} REMOVE ACCOUNT XXXX XXXX  {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX  XXXX {$3400.00} XXXX  XXXX {$1500.00} I requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
XX/XX/2023 XXXX XXXX  Placed call to customer service line for Citizens One Bank. Received automated message offering a callback due to heavy call volume. XXXX. 


XX/XX/2023 XXXX XXXX  Received callback. Placed on hold. 


XX/XX/2023 XXXX XXXX  Transferred to Payments, operator informs me he can not help me, transfers me back to Customer Service XXXX 


XX/XX/2023 XXXX XXXX  Connected to XXXX XXXX XXXX. XXXX is happy to help, says they will send the XXXX   removal form ... by mail in XXXX days. I asked the agent why I could not get an electronic copy, since literally every other thing I get from them is electronic, including statements, tax forms, escrow notices, etc. They do not know, it is the policy. 

This is my complaint : I made a mortgage agreement ( with a different company, this is my third loan servicer ), and I understood that making XXXX  payments was part of that agreement until certain conditions had been met. I have met those conditions, now I want to stop paying. Citizen 's One Bank is deliberately trying to make the process as slow as possible in the hopes that I will give up, forget, or at least be delayed. It is a small thing, we are talking about ~ $ XXXX, but it is unfair and unethical. There is no reason they need to mail me a blank form when every other interaction is electronic. 

To clarify, I do not think the excessive phone wait time is deliberate, per XXXX, just that they are either incompetent and/or too cheap to staff their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I originated a loan with Upstart. The loan allegedly was funded XX/XX/XXXX. When funding was still not received by XX/XX/XXXX, I contacted Upstart for investigation and followed up via email. After I followed up daily asking for some type of financial tracking identification ( which they still have not provided despite by request ), on XX/XX/XXXX, Upstart admitted they had a banking error on their end and funds were never sent to my account. Despite multiple follow-ups on my end I received the response on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the issue was still with their " engineering '' and legal/consumer relations team. I called on XX/XX/XXXX and was told again allegedly it was under investigation. I spoke to a supervisor who then changed the position and reaffirmed the " engineering '' status. No information was provided or an expected resolution. I still have this showing on my credit report with a payment being due XX/XX/XXXX for a loan I never received the funds from Upstart. The supervisor advised it is still with their research/engineering team with no resolution expected. I advised that their communicated turnaround to consumers is 10 business days which was exceeded. No written communication for reason of delay was received. No expected resolution timeline was communicated and a payment is owed on my account for funds I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MI

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 2024-01-02 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, has charged me an annual fee ( which is not an issue ), the issue is that they did not notify me of the annual fee in no manner. I double checked my email, app notifcations, and my paper mail and XXXX has not till date sent me any notifications. Because of this now I have a late payment being reported to the credit bureaus. This annual fee should not be reported as late because I was not notified of the annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: WA

Complaint narrative:
on XXXX, a direct deposit in the amount of {$2900.00} was made to my cash app account ( XXXX XXXX ). i have not been able to access my money since the deposit was made except and only by transferring a limited amount to a friends cash app account, then withdrawing the funds. im getting charged for each and every transaction and im still unable to use the card like i have for the last few years. i can not pay my bills online, make any purchaces online or in the stores. i can not draw out funds thru a cash machine,. they will not let me use my card period. the reason they give me and the only reason the they will give me is that my card isnt working and its for my protection due to unusual activity,. 
the activity is the same activity ive been conduction since i got the card years ago, they refuse to let me use my card to withrdraw my funds. ive been unable to pay bills and am getting charged late fees due to this situation that has no grounds. there is no live person to talk to about this at the number given for customer service which says there is help available mon thru friday XXXX to XXXX. it directs you back to the app and hangs up.

Company response to consumer: Closed with explanation