vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!

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 2024-03-05 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-05 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: GA

Complaint narrative:
Credit company closed my account for fraud. I talked to them and informed them i selected wrong card for particular purchase and it was a mistake. They would not listen. I tried to explain i had this card for years and it was closed. They also closed my husbands cards because i was a authorized user on one of them. This is not fair to him because he didnt do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I orginally owedd a company by the name of XXXX XXXX in the amount of {$720.00} and I paid them in full. TheN I attempted to apply for an house in the end XXXX XXXX and was denied due to my credit ( charge-offs ). I pulled my credit report and noticed a charge off amount of {$630.00} from a creditor called XXXX XXXX. When I reached out to them I spoke with a manager name XXXX who told me they had bought XXXX XXXX and all accounts rolled over. Being that I was XXXX with my XXXX kids ( still am ) I decided this is not the right time to fight the {$630.00} charge-off. On XX/XX/XXXX, I went into the office with {$630.00} in cash and handed the money over to the manager XXXX who told me that after that payment I would owe {$460.00}. I explained and showed XXXX my credit report that had been reporting for severals years according to the dates a charged off balanced of {$630.00} and I am only obiligated to pay {$630.00} in full. XXXX then stated she has a balance of {$1000.00} in the system and she would not be reporting the paid balance to my credit because I would still owe {$460.00}. I asked for documentation of the remaining balance of {$460.00} and XXXX had nothing to providing other than they bought out XXXX XXXX. This is hindering from getting a place to live and I have reason to believe that I have paid the same creditor twice as both XXXX XXXX who I paid in full ( {$720.00} ) and who was bought by XXXX XXXX both show the exact same High balance on my credit report of {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. And never be late on my payment bills/ rent/ royalties I send by regular mail, the monthly rent payment for XX/XX/XXXX to the LandLord, with a check from PNC BANK to LandLord FOR {$8100.00} XX/XX/XXXX Landlord advised that they didn't get the payment, I called the police to report it. I have incident number. 

I went immediately to the branch near my business PNC XXXX XXXX location and filed a dispute with the manager who said that it will take some time ( no specifics ) to process this dispute. 

On XX/XX/XXXX I turned back to the same Branch and talked to Manager again about the status of my claim, so he made his request into the system and I had a call at XXXXXXXX XXXX from the Dispute Department. ( XXXX ) The person in that recorded call said that the check was cash in a XXXXXXXX XXXX XXXXXXXX, and my complaint to her was why a Bank cleared a check when it was written to a Business and endorsed to be paid to a person. In that call I asked her if I did anything incorrect sending my monthly payment to the LandLord. Why a crack in the security system to process a Check in between financial institutions, is my fault. Did I did something wrong? She said to me No! So why are you all punishing persons that are doing the correct thing, working, paying their bills.She also told me that it will take 90 Days to process this. 

XX/XX/XXXX went to the PNC XXXX XXXX location to have an update about my dispute, and information was the same, we are working on it and request a call from dispute department again, I had a call XXXX XXXX XXXX XXXX and was the same information any specifics just recalling that they have 90 days to have a response. 

XX/XX/XXXX, again went to the Branch and requested to scale the complaint with XXXX XXXX, he requested it into the system and I had a call XX/XX/XXXX. 
XXXX called from intern customer service complaints and what she said is now the investigation will go from 90 to 120 days. I asked her about in what part of the claim we are, and she couldn't say anything specific just that they are negotiating with Regions, she provide me an other phone number for specific check fraud XXXX opt 2, which i called. And waiting for an answer. 

Facts : the check was stolen and cashed. 
The check was written for a BUSINESS AND ENDORSED TO BE PAID TO THE ORDER OF a person. 

Check was cashed at a XXXX XXXX  I am a XXXX XXXX  for more than 12 years for the first time I am on DEFAULT I might be just one more of the customers at PNC, but for Me if I dont get 100 % refund could be the end of XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm unable to open an account with Experian due to having an irregular XXXX name which doesn't allow their system to verify my identity. 

Their call center has been less than helpful after three attempts of contact and they won't actively pursue a solution. 

This has been one of the most humiliating and XXXX experience I've had since moving to the US.

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: MD

Complaint narrative:
Kovo stated on credit report missing payment when account is set up on automatic payment for XXXX amount and didnt report such till 6 months later also had the months reporting different on each credit reporting agency different on XXXX XXXX was showing XXXX missing payment now its switched to XXXX and considered updated after inquiring with the company and requesting to close the account for incorrectly reporting and affecting my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

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 XXXX out of XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Name : 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

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 2024-03-05 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: CO

Complaint narrative:
Re : Dispute of Account Information - XXXX, Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute the information on my credit reports regarding the XXXX account, Account Number : XXXX. After careful review of my credit reports from XXXX and Experian, I have identified significant discrepancies that need to be addressed urgently to ensure the accuracy of my credit information. 

XXXX. **Date Opened Discrepancy : ** - XXXX reports the date opened as XX/XX/2019. 
- Experian reports the date opened as XX/XX/2019. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened raise concerns about the consistency and accuracy of the reported information. 

XXXX. **Monthly Payment Discrepancy : ** - XXXX reports a monthly payment of {$190.00}. 
- Experian reports a monthly payment of {$190.00}. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT Discrepancies in the reported monthly payment amounts suggest a lack of uniformity in the data provided by XXXX XXXX which may impact my credit profile. 

XXXX. **Balance Discrepancy : ** - XXXX reports a balance of {$8200.00}. 
- Experian reports a balance of {$8300.00}. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT The inconsistent reporting of the balance on the same account raises questions about the accuracy of the information provided by XXXX XXXX 

XXXX. **Payment Status Discrepancy : ** - XXXX reports the account as " Late 120 Days. '' - Experian reports the account as " Late 150 Days. '' -THE ACCOUNT IS MISSING FROM THE XXXX REPORT The conflicting late payment statuses on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX account information from Experian. I kindly ask that you delete and block the information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the required time frame. 

Sincerely,

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JPMorgan Chase Credit Card terms of agreement stipulate reimbursement of XXXX XXXX fees as part of my XXXX XXXX XXXX credit card benefits. I renewed my XXXX XXXX on XX/XX/2023 and have not received reimbursement since then. Multiple calls with the Chase benefits team were unsuccessul. Benefits representatives are not able to access my account presumably to a security block. The security team does not see anything questionable on their end and can not explain why the benefits team can not access my account. I am stuck in a loop and Chase has not provided a solution to have the account access restriction removed. Chase supervisor XXXX XXXX has opened a case XXXX to address this discrepancy, but there has not been any progress to resolve this matter. Chase bank has violated terms of agreement by witholding my benefits since XXXX  I hope this will motivate the Benefits and Secuirty teams to work out their internal differences promptly and provide reimbursement ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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 address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

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 2024-03-05 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: CO

Complaint narrative:
Re : Dispute of Account Information - XXXX XXXX Account Number : XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to formally dispute the information on my credit report regarding the XXXX XXXX account, Account Number : XXXX. After reviewing my credit reports from XXXX and Experian, I have identified several discrepancies that require your urgent attention. 

XXXX. **Account Type Discrepancy : ** - XXXX XXXX the account as a " Flexible spending credit card. '' - Experian reports the account as a " Credit Card. '' This inconsistency raises concerns about the accuracy of the information reported by XXXX XXXX and it is crucial to clarify the correct account type. 

XXXX. **Date Opened Discrepancy : ** - XXXX XXXX the date opened as XX/XX/XXXX. 
- Experian reports the date opened as XX/XX/XXXX. 
XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened indicate a lack of uniformity in reporting, which is essential for maintaining the integrity of credit reports. 

XXXX. **Payment Status Discrepancy : ** - XXXX reports the account as " Late 120 Days. '' - Experian reports the account as " Late 150 Days. '' -THE ACCOUTN IS MISSING FROM THE XXXX REPORT The differing late payment statuses on the same account for both credit bureaus create confusion and could have a significant impact on my credit score. 

XXXX. **Date of Last Activity Discrepancy : ** - XXXX reports the date of last activity as XX/XX/XXXX. 
- Experian reports the date of last activity as XX/XX/XXXX. 
XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistency in the reported date of the last activity on the account further raises questions about the accuracy of the information. 

Considering these discrepancies, I request a thorough investigation into the accuracy of the XXXX XXXX account information. I kindly ask that you update or delete the information on my Experian report accordingly. 

I appreciate your prompt attention to this matter and look forward to receiving an update on the investigation within the required time frame. 

Sincerely,

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I applied for a student credit card from discover financial that I was pre approved for on XX/XX/2024, and was prompted to submit proof that I am a student. I was not notified before the application process that I would be required to submit such documentation, nor was there any information indicating that such documents must be in English or exclusions of schools that may not qualify, to consider someone a student. In any case I submitted a document with the required information according to the prompt although it was in Hebrew. After submitting my document I was notified by a representative that the document would not be accepted since they could not read it. I was unable at that time to get the required documents in English at that time, and the representative offered to change my application to a non student application, and told me this change would not be able to be undone. I was desperate to get this completed, so I requested she change my application and I was declined. This ruined my already precarious credit score for no reason. On a side note the representative told me that there is a specification on their site that requires all written communication to be in English, however I don't believe a document for verification constitutes written communication, and I also don't believe this information is available to the customer nor is it directed at the costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-03-05 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation