vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB Card is negatively reporting on my credit report. They reported to XXXX an incorrect personal address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX. I have never lived or been associated with this address. Per the FCRA 15 U.S. Code 6802 and 12 CFR 1016.7 I am opting out of sharing my information with third parties. Experian is indeed a third party reporting inaccurate information without my permission. 15 U.S. Code 1681 states " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It also states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I would like this account immediately removed from my credit report for inaccurate reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
Hello on XX/XX/year> I submitted a request to transunion to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.

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 2024-05-02 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: FL

Complaint narrative:
I have never been late on payments for the account : XXXX - XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, transunion and XXXX failed to provide factual documents about these accounts and they have to be removed. 

Transunion -Employer is no longer XXXX -Address has to be removed-XXXX XXXX  XXXX XXXX  XXXX XXXX, NJ XXXX XXXXfailed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX Installment account # XXXX -failed to provide factual documents about XXXX XXXX revolving account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -Address has to be removed XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX XXXXfailed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -failed to provide factual documents about XXXX XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # 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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Bank was by an XXXX  XXXX ( XXXX  ). XXXX lost my POA and signature card. XXXX wants me to visit branch. I live in XXXX  and banch in XXXX. 

Account is overdrawn and they will not provide service because account is in my Mom 's name. Mom is in XXXX home. 

I need access to this account. I have resent POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
Found information on credit file identity theft

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 2024-05-02 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: GA

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX ( XX/XX/year> ) I applied for this card and was approved. The card was sent to me pre-activated but I never received it in the mail. XXXX tried to send me the card three more times, and still never got the card. Every month they kept on adding late fees and other administrative fees on top. Called them on numerous occasions to informed them that I never received a physical card nor statements. All calls went unanswered. The account eventually charged off and card was being reported incorrectly on my credit report. I disputed this on numerous accessions and neither of the credit bureaus ( all three ) removed files off my credit report. They all said that this adverse account is accurate and verified. Which is all lies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

E Oscar XXXX XXXX : True identity fraud

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
Theres hard inquiries on my credit report for experian, XXXX and XXXX. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX and XXXX failed to provide factual documents about these accounts and they have to be removed. 

XXXX -Employer is no longer XXXX -Address has to be removed-XXXX XXXX  XXXX XXXX  XXXX XXXX, NJ XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX Installment account # XXXX -failed to provide factual documents about XXXX XXXX revolving account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -Address has to be removed XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX Equifax -Employer is no longer XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, a payment was made to my credit card that I did not recognize or authorize. I immediately called Capital One to dispute this payment as fraudulent, as I did not know whose bank account made the payment. On XX/XX/XXXX, I called again to reiterate the dispute and to address the fact that my accounts were showing up as restricted. Capital One informed me that both of my cards and accounts were restricted until they received a bank statement from the account that made the payment, as proof of ownership. However, since I did not make the payment and do not have any information about the account, I explained that obtaining such a bank statement was impossible. I called again on XX/XX/XXXX to get more information and was informed once more that they could not lift the restriction on the cards until I provided the bank statement for an account that I do not own and have no information on. Capital One is insisting on this document despite it being impossible for me to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One QuickSilver Credit Card with XXXX mos of 0 % interest ended on XX/XX/year>. In the first week of XX/XX/year> ( probably on XX/XX/year> ) I did call Capital One Master Credit Card to ask when I should pay off my entire credit balance to avoid Interest. The Capital One CC representative told me that I had until XX/XX/year> due date to pay off my balance to avoid INTEREST because it has the GRACE PERIOD. So I waited to pay off my CAPITAL ONE QuickSilver XXXX balance on XXXX XXXX 2024 instead of XX/XX/year> due date. But today XXXX XXXX, I saw Capital One charged me {$97.00} INTEREST. I called CAPITAL ONE CC again talked to XXXX to ask why Capital One charged me INTEREST {$97.00}. XXXX told me that the Interest accrued daily from XX/XX/XXXX to XXXX XXXX 2024. I requested XXXX to investigate why the Previous Capital One Rep LIED to me that NO INTEREST would be charged when I called in early XX/XX/year>. XXXX played XXXX and refused several times to conduct investigation and kept saying the INTEREST is correctly charged to my XXXX account. After XXXX min, XXXX finally did agree to put a note into account about my request for an investigation. 
Then I requested to talk to XXXX 's supervisor. I talked to XXXX XXXX XXXX 's supervisor ) and she played XXXX and kept ignoring my request to investigate the PHONE CALL I made in early XXXX ( XX/XX/XXXX ) and kept telling me about my payments in the last several months and said nothing about any PHONE CALL I had made back in XX/XX/year>. XXXX repeated that {$97.00} INTEREST charge is correct. I kept requesting XXXX to investigate why Capital One rep XXXX to me in early XX/XX/year> about NO INTEREST and NOW today Capital One charged me {$97.00} INTERET???? XXXX kept playing XXXX and dancing around my request of investigation of LYING to customer in order to charge INTEREST to CC customer. I WANT Capital One XXXX ) REMOVEs {$97.00} from my Capital One Quicksilver XXXX and I don't want to pay this INTEREST {$97.00} on XX/XX/year> due date and NO INTEREST accruing from this. 
XXXX ) XXXX internal investigation about XXXX XXXX rep XXXX  to customer in order to charge INTEREST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I initiated a domestic wire transfer for {$13000.00} on XXXX, XX/XX/XXXX through Wells Fargo Bank, where I have been an account holder for approx 30 years. Wells Fargo called me at XXXX CST to verify the wire transfer. I hung up after providing her the necessary information to verify the wire transaction. 

However, the representative in a completely unnecessary and RETALIATORY MEASURE proceeded to RESRICT ACCESS to my account as I received ( XXXX ) emails that she had changed the following : XXXX ) Your delivery preferences have changed XXXX ) Your XXXX  ( XXXX  ) or XXXX ( XXXX  ) service has been cancelled as of XXXX XXXX ) We have restricted access to your online banking service to help limit unauthorized activity to your account. 

This was AFTER she had already authenticated my bank account, so there was NO reason to do what she did to my bank account! 

In addition, the wire transfer was a VALID transaction initiated by me! This was completely unnecessary and I want her at least reprimanded and/or re-trained on her customer service skills. I spent another 30+ minutes not only re-stablishing access to my own account, but to RE-VERIFY the wire transfer yet again. 

I am tired of these banks who fleece us, taking advantage of customers by forcing them to send wires w/ additional fees because their ACH transfer limits are miniscule. Wells Fargo already has XXXX  of dollars in fines for their scams and I'm surprised they are still operating at the rate of fraud they commit. It is only a matter of time before they go belly up which is why I am in the process of taking my business ELSEWHERE. 

I also hung up on them after verification because when I myself was scammed, ( i.e. on XX/XX/XXXX in the amount of {$400.00} ) the bank made ZERO effort to return those funds to my account, so I found it ironic that they now pretend to be concerned about my wire transfer after I had validated it twice while making this wire transfer transaction ONLINE. 

This was not standard protocol, nor was it necessary and I would like for this customer service rep to be reprimanded. The Compliant Reference the " manager '' provided for this is Complaint ID 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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Funds were deposited into my account and a refund was processed making my available balance nearly {$480.00}. I then XXXX  {$430.00}. Leaving an available balance after the transfer. The next day my account showed a negative balance. The following day my account was positive again with an overdraft fee. I spoke to multiple supervisors in client support, the first was a young lady named XXXX and the second was a young lady named XXXX, who refused to correct the issue and after acknowledging that the return was presented the day before the XXXX transfer and that the {$100.00} from the return was available to make the XXXX transfer but didnt post until the XXXX. I ask how could they make money available for me to use and then charge me a fee when I decide to use it. They sited the reason for not correcting the mistake as being that they had corrected similar mistakes in the past and would not be correcting any more.

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 2024-05-02 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: IL

Complaint narrative:
The company stated that they were not reporting a false balance that they were reporting a XXXX balance and they have not reported a XXXX balance They are reporting {$120.00} balance as a XX/XX/XXXX and here it is now XX/XX/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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC
State: NE

Complaint narrative:
Hello- I received a call this afternoon from Revco Solutions in XXXX XXXX. The woman on the line would not tell me who she was with, She demanded I give her my SSN, Birthday & Address. I said am not comfortable giving out this info, can she please tell me who she is and what this is about. She would not and further insisted the info above. She explained there was a debt owed, would not tell me for who the debt was being collected on behalf of, nor whom in my household the debt was for. I finally received the party the debt was on behalf of but only after I explained to her she needs to give me information as Im sure she is aware that there are scams every minute of the day, where people request this information. I explained that they have never sent me a bill, I would be happy to pay it but I need to see the bill because again, I am not comfortable especially after the insistent info of my personal data. She said thats fine, I will simply have our lawyer, come to you and they will get it handled whether you want it or not. I again, try to explain the sensitivity of information and giving credit card numbers. Insist Ive never seen a bill from them, and that our address is often mistaken for the street next to ours, could you kindly send one and was met with nope, weve done this. I said listen, I cant afford to fall into a scam. She again says she doesnt care, take it up with their lawyers when they show up to my home. Admittedly, I said XXXX, Ill call the hospital and hung up. I receive another phone call but from a different number to my extreme surprise, it was this woman who now, honestly sounds like shes in a bathroom. I again plead with her for the bill and explain my daughter just had XXXX  XXXX XXXX for an XXXX  XXXX, can you please just work with me, and provide the info, I can not afford to fall into a scam, Im telling you the truth. The woman proceeds to explain to me she doesnt give a XXXX if my daughter lives or dies and will take pleasure knowing their lawyers will be at my door. I am so disturbed right now and have no clue how any of this could be legal, especially without ever receiving a bill myself or speaking to me previously. Regardless of those things, this is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief