vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally address an issue concerning the handling of my claim # XXXX. On XX/XX/year>, I submitted detailed information related to this claim via email to XXXX, as directed by your earlier correspondence. However, I recently received a denial notice dated XX/XX/year>, which incorrectly states that I did not provide supporting information for my claim. 

I would like to address the following points : Submission of Documentation : I have attached copies of the emails I sent on XX/XX/year>, along with the relevant documentation to support my claim. It appears there may have been an issue with the receipt or processing of this information, as your recent communication indicated it was not received. 
Claim Denial and Merchant Information : Your denial letter mentions that {$100.00} of the claim was considered valid based on information provided by the merchant. However, I have not been provided with any written documentation or specifics from the merchant to contest this amount. This lack of transparency prevents me from adequately addressing the validity of the disputed amount. 
Lack of Investigation : It has come to my attention that despite my attempts to resolve this matter, there has been no meaningful review of the complaint. Additionally, I have not received a thorough investigation into the details of my dispute, as indicated by the lack of response or review of my recent complaint. 
Given these issues, I respectfully request the following : Re-evaluation of the Claim : Please re-evaluate my claim in light of the attached documentation and the concerns raised regarding the lack of proper investigation. 
Provision of Merchant Documentation : Provide me with written documentation from the merchant regarding the {$100.00} deemed valid, so that I can address and refute any discrepancies. 
Confirmation of Receipt : Confirm the receipt of the attached documentation and ensure that it is reviewed as part of the claim process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed complaint ID XXXX on XX/XX/year>. Citibank failed and refuses to investigate and simply said on XX/XX/year> that they had investigated. The attached worksheet provides precise, irrefutable mathematical interest calculations per their deposit agreement. If their calculations are correct, why do they refuse to show their calculations or where mine are incorrect. Their refusal to discuss the numbers shows they know their numbers are wrong and are hiding their wrong numbers. Anyone who can use a calculator can confirm my worksheet numbers are correct which proves their numbers are 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
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I obtained an apartment in which my daughter, I and my grandaugher were living. This was during XXXX shutdown. I became ill with XXXX my daughters were there taking care of me. The neighbor next door became very hostile and confrontational when my youngest daughter began coming over and she went out of her way to cause confusion. I reported this to the office so that they were aware of the problems. The rental agent told me not to worry about it because they were moving and it would be alright. XXXX  it to say the neighbor and my daughter got into a verbal altercation and the police were called. The lady was from the XXXX and had an issue with my daughters XXXX orientation. After the police became involved, the rental agent told me if I would just surrender the apartment, forfeit my deposit and jiust move out that would be the end of the whole situation. I complied with her request and was shocked to find this Rent Reovery collection showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I am filing a formal complaint against Chase Bank concerning the denial of my application for a Chase Edge credit card on XX/XX/year>. I believe that this denial involved violations of federal consumer protection laws, specifically under 15 U.S.C. 1691 ( Equal Credit Opportunity Act ) and 12 CFR 1002 ( Regulation B ). 

Chase Bank provided the following reasons for the denial : History of poor credit performance Too few accounts with recent payment information Revolving accounts not paid as agreed Current or past bankruptcy, charge-offs, public records, judgments, tax liens, or collections I contend that these reasons are unlawful grounds for denying credit under 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse action based on credit score, credit history, or income without a legitimate, legally justified basis. 

Detailed Explanation : 1. Unlawful Denial Based on Credit Score, Credit History, or Income : Under 15 U.S.C. 1691 and 12 CFR 1002, it is illegal to deny credit based on credit score, credit history, or income unless there is a legally justified basis directly tied to creditworthiness. The reasons provided for my denial suggest these prohibited factors were used, which would constitute a violation of the Equal Credit Opportunity Act. 
2. Adverse Actions in Consumer Credit Transactions : Any adverse action in a consumer credit transaction, as communicated by Chase Bank, should comply with all applicable laws. Denial based solely on credit score, credit history, or income without a clear, legitimate, and lawful justification is not permissible under federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting an incorrect address. This violates the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, I have contacted them and they refuse to remove the inaccurate information. The only address that should be reported is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NC 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 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have three credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover three credit cards XXXX XXXX .applied band .and credit first bank XXXX Should send me the approval for the XXXX  XXXX Trustee. And the two things under thev7 year rule are XXXXXXXX XXXX XXXX and 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 2024-09-13 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: CO

Complaint narrative:
I have three credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX  XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover three credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should send me the approval for the XXXX  XXXX Trustee. And the two things under thev7 year rule are XXXXXXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
I demanded ( Experian consumer reporting agency ) to create report about 30 days ago requested an investigation because felt the items ) were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items were " Verified ''. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 2004 ). 
Your response should to me should include the following at a minimum. 
1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the item as it legally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company?

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 2024-09-13 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. I'm not sure when this account was charged off, because there are 3 different dates listed which is a violation of accurate reporting. And the account has repeatedly been updated as charged off every month and this is an update in the payment history. A charged off account should only include an active payment history and this inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. I'm not sure when this account was charged off, because there are 3 different dates listed which is a violation of accurate reporting. And the account has repeatedly been updated as charged off every month and this is an update in the payment history. A charged off account should only include an active payment history and this inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2024-09-13 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-09-13 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-13 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Messages can not be read or found at Synchrony Bank website which they sent me. Also, i have sent messages to Office of the President XXXX XXXX XXXXXXXX ) but today for the first time i get this reply saying : this is not a monitored email, yet XXXX XXXXXXXX - XXXX XXXX sent me the following email from this address on XXXX : Hi XXXX XXXX, I am responding to two voicemails I received from you on XX/XX/2024, where you requested to settle your remaining CareCredit account balance for {$600.00}. You also advised you wished to discuss the matter via email.... 

Sincerely, XXXX XXXX. 
Corporate Consumer Relations, Senior XXXX XXXX, i got the following reply from this same OFFICE OF THE PRESIDENT XXXX XXXX XXXXXXXX ) : Hello XXXX XXXX, We have received an inquiry from you or someone on your behalf. Communication is important to us, and we are beginning our investigation process.... 

Sincerely, Synchrony Corporate Consumer Relations ( XXXX ) XXXX This e-mail is being sent from an UNMONITORED E-MAIL ADDRESS. Please do not send any emails in response to this notification.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has this " feature '' called BankOfAmeriXXXX. Essentially, you click offers for your account, then conclude a transaction in the time frame. I did so for a dishwasher from XXXX. According to BoA, XXXX performed some an auth on the XX/XX/XXXX, within the timeframe, only to " capture '' on the XXXX, outside of the time frame. I got bounced around to at least five different departments who acted like they'd never heard of BankOfAmeriXXXX The fraud department told me to file a fraud claim. Bank of America now disputes this being fraudulent, but I believe there was clear fraudulent behavior here, if not outright collusion between BoA and XXXX. 

Anywho, most of that is now immaterial, because the dishwasher I ordered was never delivered. I was given a deliver window in XX/XX/XXXX from XXXX to XXXX. At XXXX, with no delivery, I called XXXX and cancelled the entire thing. There is no disagreement that I'm owed a refund, but XXXX says they're powerless ( absurd ) without the shipper, who I have no way to even contact, sending it back. It's been literal months now. XXXX did not contact me today ( XX/XX/XXXX ), despite assurances to do so. Chargeback it is! 

Now the complaint : Bank of America claims they can't help me. They claim the only people who can help me are open during very limited hours when I'm working. They claim they're unable to send more than XXXX characters to other departments ( after about 30 minutes of me simply asking they do this ). So, basically, BoA agrees with the assessment that this is a legitimate chargeback, but that they're also allegedly helpless. It's a ridiculous assertion. How can a multi-national bank, allegedly " too big to fail '', be unable to address fraud? 

I am attempting to dispute a transaction to XXXX for {$670.00}. I remain dishwasher-less, months later. Today is XX/XX/year>.

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