vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX Acct # XXXX  The information being reported on credit report is still inaccurate! I have filed an initial dispute then another dispute TWICE with EQUIFAX about the same information and they updated the information again with INACCURATE information is still INCORRECT. The information is affecting my credit score negatively and I DEMAND THIS ACCOUNT BE REMOVED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with 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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with 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 explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I purchased a vehicle from XXXX in 2019. My account was assigned without my knowledge to Bridgecrest. I was recently looking over my car contract with XXXX and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from Bridgecrest after sending a cease & desist. Bridgecrest are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: TX

Complaint narrative:
My account with US DIRECT EXPRESS has been repeatedly locked for unjust reasons. I am asked to send original in color personal documents over and over to a unsecured email address supposedly to verify my identity. This account was referred by the US Treasury Department who has a government contract with this company my identification shouldn't be in question and I've provided requested documents over and over and issue with having hold released from my account in turn giving me access to my Government Benefits that have been deposited by US Treasury Department to this card they refer us recipients to have been denied. This has been ongoing problems with this company putting some of the most vulnerable citizens in distress over funds not being made available either by holding them are them being fraudulently taken from the account. This is my only income and I am XXXX I need to have this issue resolved with US DIRECT EXPRESS but no cooperation on their behalf. Wait times for customer service are grueling and even then told the same thing send documents that I am continuing to send verifying identity and no action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
While there was an active fraud investigation occurring on my credit card account, Capital One allowed an unauthorized phone payment of $ XXXX to be made from my XXXX checking account. My account was enrolled in auto pay to pay the balance in full on the XXXX of each month. This payment occurred on XXXX and was clearly done to increase the open to buy on the account so the criminals could continue using the card. 

While the fraudulent transactions were reversed, Capital One had been obstructive in resolving the unauthorized payment. We have followed all their directions. Most recently, who have been run around in circles trying to send a form from XXXX that Cap One requested. Theyve rejected or said the cant find the form several times. I finally found a supervisor whos been somewhat helpful. He says I have to wait till XXXX to follow up with him to see if theyve received the form. When asked about next steps after the form is acknowledged by Cap One he didnt seem to know. 

Ive requested a refund of the $ XXXX credit balance currently on my account which was created through my own funds. Cap One says they cant do this. 

Im in despair. $ XXXX is a lot to be out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We decided to stop using and close this Paypal Mastercard credit card because they made some changes to it and we didn't like the changes. Our last purchase using the card was around the middle of XX/XX/2022. I was waiting for the final payment date of XXXX XXXX, 2022 and then I was going to close the account. 
However, a fraudulent charge for {$59.00} was made on XXXX XXXX, 2022. I called ( they do not have an email, chat or other " papertrail '' type of service ) on XXXX XXXX, 2022 and disputed the charge. I then made full payment to them of the balance due minus the {$59.00} fraudulent charge. I kept checking on the website to verify the disputed charge and check on it. However, it still showed the {$59.00} charge and now it had late fees on top of that. I called again around the end of XX/XX/2022 and reiterated that I disputed the {$59.00} amount and how dare they charge me a late fee on top of that. I also made sure they should closed this account. They still show this {$59.00} fraudulent charge, the late fee and I'm sure they will start collections very soon.

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the fair reporting act XXXX all accounts on my report showing negative standings old and new have violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. SECTION 604 A. SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oak Capital LLC claims I owe them {$11000.00} for the original creditor, XXXX XXXX. Opened XX/XX/2022. I never opened or had a XXXX XXXX account. XXXX XXXX is not on my XXXX credit file. Spring Oak Capital LLC needs to remove this false information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts do not belong to me, please block and remove according to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has changed my credit score twice in 6 days, each time by XXXX points. 

Each time, the loss of XXXX points has been explained/justified ONLY because my credit utilization ratio has gone from 3 % to 10 %. 

It's clearly a mistake since it's happened twice and, each time, the only change reported is the identical credit utilization from 3 % to 10 %. 

The first time, several days ago, they reversed the change the next day. 

Today is a Sunday so I have no way of filling a complaint with them. 

When I did file the first complaint last week, they had no explanation even though the XXXX points were added back the next day.

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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My bank of America credit card advertised a balance transfer rate of XXXX percent. I use the card for every day purchases as well. There was a clause that said purchases made would accrue interest unless balance was paid off at the end of each month. I called them to ask if this meant the whole balance or just the purchase balance and they told me just the purchases. XXXX XXXX XXXX, I noticed I was accruing interest, I called, they reversed and told me I was given the incorrect information. They also told me because of that they would refund interest going forward but I would have to call in. So a few months after I called in to have the charges reversed again and they refused saying the person hadn't noted it on my account ( even though they said they did ). Even speaking with a supervisor they refused and got belligerent about it. I asked for further review and they said there was nothing more other than filing a " bank complaint '' which they never responded to.

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 2023-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX claims I owe them {$11000.00} for the original creditor, PNC BANK. Opened XX/XX/2022. I never opened or had a PNC BANK account. PNC BANK is not on my XXXX credit file. XXXX XXXX XXXX XXXX needs to remove this false information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I enlisted in the military fall of 2018. I spoke directly with Wells Fargo about my credit card situation and that I would NOT be able to make payments while going through military training as we arent allowed electronics, etc. They assured me I would be fine and to notify them once I exited training. I exited training and once I arrived at my duty station I called to find out they had closed my account and sent my stuff to collections. I now have a huge blemish on my credit report and wish to have it removed as its constituted financial hardship for my family all due to an erroneous act on Wells Fargos part.

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 2023-02-26 00:00:00
Product: Credit card or prepaid 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: GA

Complaint narrative:
I have a chase sapphire reserve cards which promises reimbursement on trip delays due to weather of 6 hours or more and rental car accidents.

My flight was cancelled due to inclining weather, I called the bank to confirm that the situation would qualify as a trip delay/ cancellation and then I proceeded to use money to book other means of transport. After I filed the claim XXXX which goes to their contracted party, wait times are very long and they keep requesting documents which the airline already reported they can not provide. I already provided the documents explaining the situation as well as airline provided documents explaining the flight was cancelled due to weather but the claims company continues to request very specific set of statements that the airline must say so they can process my claim, i went to online reviews and thousands of other customers had the same problem. How come these claims insurance companies are not held accountable for their responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
fraudulent inquiries due to identity theft from the Equifax data breach. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, 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: LEXISNEXIS
State: IL

Complaint narrative:
Failed to send consumer report and initiate security freeze after verification was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: LA

Complaint narrative:
During the summer of XXXX. Discover closed my card due to being unable to verify my identity and told me I could reapply and just verify my identity then. It is now XXXXXXXX XXXX XXXXXXXX and I have tried applying to get a due to status of previous account. My account was closed by discover and now XXXX cant even reapply. None of the customer service agents know how to fix it and numerous have tried to walk me through the application process with the same rejection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA auto has not corrected the inaccuracies on the 3 credit reporting agencies. Balance, status, payment history all inaccuracies. According to the fair credit reporting all information must be 100 % accurate. 15 USC 1681 15 USC 6802 Obligations with respect to disclosure of personal information. The law requires disclosure allowing me the option to opt out of public information sharing. I have not received any disclosure as per the law.

15 USC 6801 Protection of non public information.

Charge off status IRS considers charge off as income.

Please remove this slanderous comment from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation