vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/scrub> 2024, I used XXXX to deposit {$20.00} ( plus XXXX disclosed fee ) into the commissary accounts of people who were being held in XXXX XXXX XXXX XXXX. Each time, I used my CapitalOne credit card to make these deposits. 

Unbeknownst to me, each of these deposits incurred a {$10.00} cash advance fee. I have no idea why these deposits are considered cash advances or treated any differently from other forms of money transfers ( like XXXX and XXXX, which are also connected to my credit card ), online donations to charities/political causes/etc., or regular purchases. Cash advance seems like a totally arbitrary category that essentially just describes what credit cards dolay out the money for a good or service in advance of when I pay for it. I had no idea I was being charged these fees for these specific transactions. 

I called CapitalOne today and asked them to waive the fees, but they refused to do so. I also asked them ( supervisor XXXX ID XXXX ) how customers are supposed to ascertain whats considered a cash advance vs any other money transfer via credit card, and I was told that I could call the bank in advance of any such transaction to check if its a cash advance or not. This I cant describe it to you, but I know it when I see it response is the hallmark of a policy that is so untransparent that theres no way for me to know when it could be sprung on me. Furthermore, it feels particularly predatory for this fee to be imposed for donations to an incarcerated persons commissary account, since thats a whole industry that gouges poor people at every level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 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: NV

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: NV

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AZ

Complaint narrative:
I also forgot to mention these 3 oth inquiries in my last report because I did not know how to my reference for identity theft to the FTC is XXXX, I home this can be resolved

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I also forgot to mention these 3 oth inquiries in my last report because I did not know how to my reference for identity theft to the FTC is XXXX, I home this can be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I would like to dispute the following hard inquiries on my Transunion and XXXX credit report. Everything listed below are unknown and not authorized by me. 

Transunion : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX BANK : 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 : XX/XX/XXXX XXXX XXXX : XX/XX/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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services
State: GA

Complaint narrative:
Follow-up to complaint XXXX. Original complaint regarding missing payment information ( last payment showing at XXXX!! ) took over 7 months for EdFinancial Services to investigate and finally. According to FCRA, this should have been completed in XX/XX/XXXX. Information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health|

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 2024-08-10 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX account number XXXX resulting late payments due to Human Trafficking. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and 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 2024-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've received a prepaid gift card of {$50.00} and tried to use at a store but was declined many times. When I called them, the operator told me that this card was part of a fraudulent activity and asked that I need to submit my personal information including photo of driver license and SS #. I am not comfortable providing this for a prepaid gift card.

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 2024-08-10 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: CA

Complaint narrative:
I recently checked my credit report and noticed some fraudulent unauthorized unrecognizable hard inquiries that I did not give permissible purpose to furnish please delete these inaccuracies and I also provided proof of credit report and ftc report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/year> Bank XXXX XXXX XX/XX/year> 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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
COMENITY BANK ARE RUNING A SCAM SISTEM TO CHEATING TO THE COSTOMER. THE INTEREST RATE ARE HIGH. THE LATE FEE ARE HIGH.THEY ARE A SCAM. I FEFT HELPLESS BECAUSE THEY DAMAGED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : XXXX  ( Account # XXXX ) XXXX BANK ( Account # XXXX ) XXXX  XXXX BANK XXXX XXXX Account XXXX XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) These accounts should not be charged off. I request verification of the charge-off status or correction to a zero balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX  ( Account # XXXX ) I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX  ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX I request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted. 
Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX  XXXX Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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:
My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : XXXX  ( Account # XXXX ) XXXX  BANK ( Account # XXXX ) XXXX XXXX BANK XXXX XXXX Account XXXX XXXX ) XXXX XXXX XXXX ( Account # XXXX ) These accounts should not be charged off. I request verification of the charge-off status or correction to a zero balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX  ( Account # XXXX, Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted. 
Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had an XXXX XXXX credit card with a {$XXXX} fee. The fee was coming up for renewal In XXXX. In XXXX I downgraded my card to a no fee XXXX XXXX card. The rep who conducted the downgrade assured me : 1 ) that my account tenure would remain the same, 2 ) that my account number would remain the same, but it changed 3 ) that I would no longer have an annual fee, but the {$XXXX} fee from my old card has now been transferred to my new no fee card I have contacted Citibank twice after I saw the {$XXXX} charge. Each time I have gotten a different response as to when they are going to credit my account. The most recent rep said I had to pay the fee and then they would place a credit. That makes no sense. Why should I have to pay a fee for an error on their part? Why am I inconvenienced due to their system processing cycling times of posting annual fees?

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 monetary relief
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint narrative:
I purchased XXXX from Home Depot, which cost around {$14000.00}. My credit card is eligible for 24 months of payments without interest. 
I found out that they had a huge interest in my purchase. I called them, and they said that the associate made a mistake and put only six months without interest, and they started charging me 29.9 %. I was not even notified. 
I was going to pay off the rest of the amount, which should {$3500.00}, and I found that they want me to pay {$7000.00}. 
Though it was the associate 's fault, they refused to do anything about it, and they wanted me to pay {$3500.00} in interest.

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 2024-08-11 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:
ACCOUNTS : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC 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 non-monetary relief
Consumer complaint received 2024-08-10 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:
I applied for residency at a new apartment in XXXX, Colorado last XX/XX/year> and the property management company ran a " hard '' credit check on me and I was docked XXXX points from my credit score for this single check by Experian which is the company my bank uses for their customer XXXX XXXX XXXX XXXX XXXX  XXXX ). As of this week, Experian has only given me back XXXX points towards my score. I went from XXXX down to XXXX just for that single credit check. Experian gouged me for the single check and decided to ding me XXXX points?? What's up with that? That makes no sense and is completely unfair in my opinion and they are now being slow to give points back when I haven't done anything wrong to deserve being compensated back so slowly for what they took away in the single check. What possible reasoning could they possibly have to justify both the large gouging of points and now the slow replacement of the points? Is it some person at a desk making an arbitrary decision with no data supporting their actions? 

So to summarize : XXXX. They docked XXXX points for a single credit check, which is a ridiculous number to dock someone for a single check. Someone who has excellent credit. 

2. They are being extremely cheap in restoring my credit score back to its original XXXX points where I was at when they docked the big chunk of points back on XX/XX/year>. 

Is this just a broken system? and we are stuck with this ridiculous unfairness? 
What a disaster it would be if I had to make several applications to different apartment properties at the same time. Should we just never move to a new residence because they'll gut our credit every time we want to move, even though we've done nothing wrong?

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