vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: AZ

Complaint narrative:
On XX/XX/year> my wife and I went to Kohls in XXXX AZ to purchase some items for {$73.00}. She tried to charge them to our Kohls card as we were told it would save us some additional money. We like to save money so we used our Kohls card. ( as part of what will become an issue, Kohls we believe, operates this as Kohls charge card not able to be used anywhere else ). The card comes back on their system as expired. The clerk suggested opening a new card ( this one is a XXXX from Capitol One, or will soon be converted to such, unbeknowst to us ) She has some data input issues on their system and it takes kind of a long time to process. Ultimately it goes through, and we pay with the card and leave the store. ( Kind of a big waste of time to save a few dollars actually ) We never got the new card ( even at this writing ) and we never got a statement of any sort until XX/XX/year>. At that time the bill was past due and had accumulated late charges and interest totaling {$110.00}! ( on a {$73.00} purchase ) Apparently we're supposed to know our account number, even though we never received the card. We're supposed to know when our bill is due and where to send it without a proper billing statement, as we never received one until XX/XX/year> ( and it's a new card ). Capital One now operates the card and has finally sent us a bill for the first time on XX/XX/year>. On XX/XX/XXXX we call Capitol one to see if as a courtesy we can get the late fees and interest removed and pay our bill timely going forward. As a courtesy they did remove {$87.00} of the late charges and interest. However they did not remove the remaining late fees and interest of {$31.00} as they said they weren't in charge of the account for that time period. For the record Kohls can't do anything about those fees either as we called on the old card which we still had, and have since destroyed. In short we're disgusted, my wife probably spent XXXX extra minutes to get a new card to save a few ( est. {$4.00} ), then we never get a billing statement or the new card ( which have now closed ) We spent easily 90 minutes on the phone today trying to correct this ( and still owe a frivolous {$31.00} ) for which we receiived nothing but a hard time. Now I'm on this website spending additional time telling the story once more. We have closed this account, and are considering closing a couple other Capital One accounts we have and likely won't frequent Kohls either. We feel we've done nothing wrong, and we pay all our bills, in fact we've never missed a payment on anything ever. HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Credit reporting is in acurract with this collection Calvary

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-11-18 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: MI

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
XXXX XXXX XXXX  {$170.00} XXXX XXXX XXXX {$200.00} I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
JP Morgan Chase.anccepted Insurance check with three names deposited into New account in XXXX, West Virginia. 
They did not inform us about their known issue with verifying third-party checks, and they cleared the check after 10 days, depositing money into our account showing available but restricting the account along with our other account being used or accessed. After more than two weeks and numerous hours, long phone calls, it has been determined that their verification tool will not allow the fraud department to speak with an executive at a mortgage company because they are not accessible by the public numbers. 
The check is meant to be used for payoff of these mortgages and the longer this is delayed. The interest is being added to our bill with the mortgage companies. 
We flew to both the mortgage companies and in person endorsements on video Chase will not accept and will not call the numbers to reach the executives that endorsed the check at either mortgage company. They recommended we stop payment on the check, the insurance company tried to do it met with the information that Chase had already cashed the check The insurance company sent an email stating that both The insurance company XXXX XXXX had verified the endorsements and XXXX XXXX the insurance companies bank, which the check was drawn on. Had also verified endorsements, but this did not satisfied Chase who is still holding the funds and claiming they will send it to the state in a couple years. The amount of check is {>= $1,000,000}. We owe nearly {$1.00} million in mortgages that needs to be paid out of this check. This is unacceptable, and there is no way to verify their current system Its clear that thousands of other consumers are having identical challenges from a few hundred to a few million This is a clear scheme by Chase to hold funds and gain enrichment through interest at the Expense of the consumer We have Video of both mortgage companies endorsing the checks. It cost us thousands of dollars in airfare to do this in person to ensure there were no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. ( EXPERIAN ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft 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 2024-11-18 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 have identified several items on my credit report that I do not recognize and believe may result from identity theft. I did not authorize these accounts, and their presence is causing significant distress and misrepresenting my credit history. 

This issue has been raised previously, and I am now formally requesting the immediate removal of these unauthorized accounts from my report. The inaccuracies are severely impacting my ability to pursue essential financial goals, such as purchasing a home and providing for my family. 

If this matter is not resolved promptly, I am prepared to take legal action to protect my rights. Please confirm receipt of this message and provide an update on the steps being taken to address this issue. 

Thank you for your prompt attention.

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 2024-11-18 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

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 30 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 30 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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-11-18 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: Synovus Bank
State: FL

Complaint narrative:
PLEASE PROVIDE A COPY OF 1099-C UNDER THE FCRA I CAN SEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFORMATION ABOUT A DEBT SUCH AS REPORTING A CHARGE OFF WHILE STILL CLAIMING I OWE A DEBT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX Collection/Charge Off : XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

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 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
XXXX - I called Bank of America to pay off my credit card in full but wanted to have the late fees and interest removed off of the account. I was told that I could do that, but I had to be up to date on the account. So, I paid the amount of {$1900.00} to get the account up to date. I was told that after the payment was processed, I could call about having the late fees and interest removed off the account. 

XX/XX/year> - I called again since the payment had been posted. I was told that they were only able to remove 2 late fees and no more than that. I asked why and was told first that that was the most they were able to do. Then I was transferred and told that there is an internal review, and I was denied the full amount. I asked why that was and was told that they could not provide that. I requested under the Freedom of Information Act and again was told " no ''. They said that they would only provide that information if I took legal action. 
To date I have still not been told the reason and was purposefully lied to in order to collect on the debt and was negotiated in bad faith by Bank of America.

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 2024-11-18 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: IN

Complaint narrative:
I had a credit card with XXXX XXXX XXXX. I opened it about 5 years ago. I received a phone call from someone claiming to be from social security, threatened that I would be arrested for fraud. They instructed me to liquidate my money from my card buying XXXX XXXX gift cards to protect me. Yes, I realized this was very stupid and should have known better. After I did that, I was very stressed and went to the bank the next day to explain what happened. They said to go to the police station and make a report, which I did. I brought it back to the bank ( lady at bank told me another person came in with the same issue ). Anyway she said she would write it up but I probably would be responsible. No investigation by the bank, police, or FBI was done, which I think should have been done since they were impersonating a federal employee. I didn't know at the time this happened XXXX  years ago, that the bank was to do an investigation. Never heard anything about it. I had been making payments on this up until XX/XX/XXXX. This happened XX/XX/XXXX. In XX/XX/XXXX my XXXX XXXX XXXX XXXX and I no longer received alimony and my income was very low. I called XXXX and explained that I would not be able to make payments for couple of months. They said I could put off paying but still had to pay hundreds in interest. I then found out that the bank was required to invest these types of scams and they never did. I had not heard of this type of scam until months later. I simply couldn't pay it and the bank refused to work with me. I got legal advice to let collection agency not to contact me about it. This has impacted my credit. I put in a dispute but nothing was resolved. I am unable to upload the letter and police report to credit agency. I think the bank should have investigated this. They and the police had the phone number of person who called. I went to XXXX XXXX and found out where the cards were used. I realized that I was foolish and stupid, but I was a naive XXXX XXXX XXXX and the bank did nothing. At the very least I want this all reported to credit agencies. Up until then I was making all payments on time. I will attach the letter and police report. I would like I said this all put 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