vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Middle Georgia Management Services
State: GA

Complaint narrative:
We acquired a loan in XXXX from XXXX XXXX in XXXX for {$800.00}. We made the first payment fine due to it was on my old checking account card. We went to using XXXX and XXXX XXXX for our deposits and every month when trying to pay, they would deny payment stating they cant take those cards. We work 6 days a week, and nothing was mentioned at the beginning about only taking certain types of payments. We can not just go an hour to pay a bill each month. After we got behind, one of the ladies who works there, came to my husbands job, and decided to let his co workers know how late he was and said some terrible things about him, with him not even being around at the time. Luckily, they came back and told him everything, which was extremely embarrassing, due to we do not want everyone knowing our business on our bills. She could have called him outside, or to the side instead of letting his manager and co workers know everything. We are willing to pay it all and have it completely paid off before the end of XXXX, but now they have decided not to take any payment and to sue us for non payment. I am hoping something can be done to stop them from telling their customers business to anyone that will listen. We are filing with the FDCPA also and hoping she gets terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one bank will not verify as to whom gave them permission to open this credit card in my name. I have tried multiple times to reason with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
Pressler , Felt & Warshaw , LLP, Representing XXXX XXXX XXXX had filed a suit against me regarding 2 accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. Pressler , Felt & Warshaw , LLP has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 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, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have also been effected by the XXXX XXXX XXXX and have filed a complaint as well.

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 2023-07-06 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: FL

Complaint narrative:
On XX/XX/2023, I was contacted by XXXX customer service, well what I thought was XXXX Customer Service, which turned out to be a scammer. According to this person, there were unknown charges on my Capital One Credit Card account. When I called the credit card company, there was no record of any unknown charges. In addition, I have also filed a report with the FTC regarding this situation. 

The scammer told me that in order to stop my XXXX account from being compromised, that I had to go to stores and purchase gift cards from XXXX, XXXX, XXXX, and XXXX. Unknowingly, I followed suit and then after the fact, realized that I have fallen a victim of a scam. I immediately contacted Capital One and explained the situation and that I would like to have all charges disputed. Capital One followed suit and disputed all charges. 

Fast forward to XX/XX/XXXX, Capital One sends me a letter stating that XXXX has denied my dispute for {$450.00}. They have stated that there is nothing that can be done. 

I also worry that I will be responsible for the other charges that were made from the other merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am trying to pay down my balance with more of the minimum payment. as soon as i started to pay more CITI bank started to increase the interest rate on the card ( just last month as i started to pay more )

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 2023-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Ive been a customer for a long time with capital one I fell on hard times and was late in XXXX I asked for them to remove late As goodwill. Im trying to purchase a home yet still havent heard from them and its been past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 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, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have also been effected by the Equifax XXXX XXXX and have filed a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 between the times of XXXX XXXX  CT, I was making a cash deposit of {$1100.00} USD at one of Bank of America 's atms. After the money was received and while the ATM machine was processing the deposit, the atm machine said there was an error, gave me my card back, then went back to the home page. I checked my balance and saw that my deposit was not reflected in my pending or current checking account balance. I was not given a receipt. I then immediately called the number on the atm and reported this issue. I was told they have the atm number locator where this occured. I was told a temporary credit would be added to my account while they investigate this issue. It has been over a week now and my account has not been credited for the money I deposited. I have called several times and they have been unhelpful. My rent is now 6 days late and building late fees at XXXX XXXX ( after the XXXX of the month ) because I do not have access to the money. At a time when I was recently laid off, this has wreaked havoc on my life and caused undue stress. If they would simply check the cash of atm they will see that their is a surplus. If they would just check the cameras, they will see that I did indeed make a deposit and the error was on their end. All I want is the amount I deposited, {$1100.00} USD, and late rent fees I've accrued because of their refusal to give me the money I deposited, which is currently {$60.00} as of XX/XX/2023.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: GA

Complaint narrative:
I have been driving with XXXX  for years now and i never had a problem until i moved to Georgia. i took off from driving for a while but i can log back in anytime and they will do a background check. XXXX states there is a issue or a flag on my report and Checkr keeps telling me to talk to XXXX. XXXX is saying its out of their hands i should talk to Checkr. Chekr does not have a phone number. there is a bunch of tickets now from the emails trying to get this sorted out. Checkr send me an email today saying i should contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: DISCOVER BANK
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/23, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 60 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 60 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the XXXX data breach, raising concerns that it may have fallen into the wrong hands.

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 2023-07-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/23, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 60 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 60 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the Equifax data breach, raising concerns that it may have fallen into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: GA

Complaint narrative:
XXXX Account Number XXXX This account does not belong to me. 

XXXX XXXXXXXX XXXX  Account Number XXXX This this should be removed from my credit report, it's been past 7 years! 

XXXX XXXX XXXXXXXX Account Number XXXX This does not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account Number XXXX Section 1026.10 ( A ) Does not require the creditor to post the payments to the consumer 's account on a particular date. The creditor is only required to credit the payment as of the date of the receipt. Meaning, the creditor can only report payments on date of the receipt, not before or not AFTER!

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 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I just received notification in my email inbox about this debt dated XXXX  XX/XX/2018 which is around the time my identity was compromised, I had to file a claim with FTC because I have had several debts that aren't mine and there was a fake claim with XXXX and an opened Bank Account with XXXX I had to dispute, I have been gone from this address for atleast 9 plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief