vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: MI

Complaint narrative:
Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One for failing to address a dispute concerning a purchase made on XX/XX/year>, at XXXX XXXX for a mattress. The purchase amount is {$1400.00}, and the issue stems from the merchant 's misrepresentation of their return policy. 

When I attempted to return the mattress on XX/XX/year>, XXXX XXXX misled me regarding their return policy and refused to accept the return. Despite multiple attempts to resolve this matter directly with the merchant, I was unable to come to a resolution. Subsequently, I reached out to Capital One to open a dispute regarding this transaction, as I believe the merchant acted in bad faith. 

However, Capital One declined to take any meaningful action, instructing me to resolve the matter directly with the merchanta course of action I had already pursued without success. Their refusal to assist me contradicts the protections I am entitled to as a cardholder under the XXXX Credit Billing Act. 

I am now requesting your assistance to : XXXXHold Capital One accountable for its lack of support in this dispute. 
XXXXReview the situation to ensure that my rights as a consumer are upheld. 
XXXXFacilitate a resolution where the disputed amount is refunded to me, as I was unable to return the item due to the merchants misleading practices. 
I would appreciate your prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. This is a NOTICE for GENERAL COUNSEL. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violations before removal of 2 accounts and violations of the other account. I have already attempted to invoice for the damages and federal violations. TransUnion has removed XXXX XXXX XXXX accounts off my consumer report after I complained about my federal consumers rights being violated against which is proof that I was being violated. Under 15 USC 1681n - Civil liability and 15 USC 1681o, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my updated invoice for the XXXX XXXX accounts federal violations attached below and also a marked-up consumer reporting showing the violations/2 removals and my PRE-ARBITRATION against TRANSUNION for all my XXXX XXXX accounts violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.

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 2024-11-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was robbed of my phone while walking down the streets in XXXX. The thieves exploited every single mobile application and credit cards affiliated with XXXX XXXX on my phone. Upon learning of the exploitation, I immediately notified all of my banks and asked to cancel the credit cards- Citi bank among one of them. 

After the initial report, the pending transactions were never removed from the account. When I called the bank to check in a week later, I learned that the fraud report was never filed. Despite the frustration, I answered the same questions and filed the report. 

Nearly after 30 days, I received a report that my credit score dropped XXXX points because of these fraudulent activities. When I called the bank again to check in, to my surprise, the fraud report was never filed and the investigation had never been started. 

This is a clear violation and negligence of Fair Credit Billing Act and Truth in Lending Act. I asked the bank to remove the disputed charges while the investigation is in progress, the bank rejected my ask. I wish this issue can be rectified as soon as possible and the bank fulfills its duty and obligation to fix my credit score, which suffered a damage that it never deserved.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax background check has provided incorrect background information and have advised or recommended to at least XXXX different companies not to hire me. Despite me not having any criminal history. The only cases that come up is my XXXX XXXX XXXX XXXX  against the XXXX XXXX XXXX and that should not be a factor in me getting a job I am qualified for and hold a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: PA

Complaint narrative:
I couldnt believe it when I saw incorrect accounts on my credit report tonight. Ive always monitored my report closely, but out of nowhere, discrepancies appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the errors didnt go away. This has left me shaken, and Im requesting a detailed review of the documents I submitted to prevent this from happening again.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance Owed : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX Subject : Urgent Complaint Regarding Account Closure and Fund Transfer Dear Authority, I hope this letter finds you well. I am writing to formally express my concern regarding my Capital One account ( Account XXXX : XXXX ) which was closed on XX/XX/year>. I have encountered several issues concerning the transfer of funds from my closed account. Upon closure, my remaining funds were transferred to an external attached account. However, I have been informed that this external account has also been closed, and as a result, I have not received my funds. This situation has left me quite worried and uncertain about my financial safety. Given these circumstances, I kindly request that transaction should b canceled for the fund transfer and instead issue a cheque for the total amount of my funds. Please send the cheque to my mailing address as provided above. I appreciate your prompt attention to this urgent matter, as I am currently experiencing significant stress over the loss of my funds. Thank you for your understanding, and I look forward to your swift resolution of this matter. Sincerely, i m attaching closing account proof funds transfer proof, closed account proof of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-16 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: MI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: KS

Complaint narrative:
Money Lion is failing to cooperate with me at all.. though I'm able to completely verify myself they still do remove the restrictions. I had never made a report on fraud or issue with the account.. to Why do they lock it out for They told me to wait 3 to 5 dayz

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX Repeatedly contacted me via phone and email during the month of XX/XX/XXXX about a balance that I was not familiar with. I requested supporting documents in writing in late XXXX. The representative I spoke with said that she would send that supporting documentation to my email by the end of the day, but ended the call by telling me that if I wanted to be difficult, she would make it t difficult. From that date until today ( XX/XX/XXXX ) my email address has been bombarded with spam email from various sources, including XXXX XXXX XXXX XXXX XXXX XXXX, and others. 
I attempted to contact the company via phone about the issue, but they were unwilling to provide any information without disclosure of my social security number, birthdate, and consent to arbitration. I declined to provide that information,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir My friend bought a Macy 's gift card for me from the XXXX XXXX on XXXX XXXX, 2024 worth {$150.00}. I called Macy 's at XXXX to check the balance. They confirmed it was {$150.00}. However, when I went to Macy 's to use it to buy something, they told me that the Card has {$0.00} in it. They confirmed that the money was loaded on it but was redeemed on XXXX XXXX, 2024. 

I never gave the card information to anyone other than the Macy 's helpline to check the balance. I have the physical possession of the card. I never parted with the card. 

Macy 's says that something went wrong so I should go back to XXXX to get a refund. XXXX says that card was issued and I should go back to Macy 's. I am not sure what to do now. Please help me out.

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 2024-11-16 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: GA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation and reinvestigation. The account payment history is clearly and OBVIOUSLY INACCURATE, The inaccuracies are highly injurious to my credit score. I HAVE LISTED BELOW MULTIPLE INACCURACIES THAT YOUR COMPANY IS REPORTING, EVEN AFTER YOU Updated & Verified the account. 
Here are a FEW of the inconsistence payment history as it currently appears : 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 I am DEMANDING THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT! It is a violation of my Consumer rights per The Fair Credit Reporting Act ( FCRA ).

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 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I was never late with this account and I have the proof and the letter from them and still the credit bureaus hasn't fixed this. is very frustrated to not have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: PA

Complaint narrative:
XXXX extremely frustrated to see unauthorized inquiries on my credit report this morning without any explanation. Ive checked my report as usual, and out of nowhere, there were discrepancies. Refreshing my browser didnt help, so this is not a glitch. Please review the documents Ive submitted thoroughly and resolve this immediately to put my mind at ease.

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 2024-11-16 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2024-11-16 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: MA

Complaint narrative:
As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activities, no later than four business days from the receipt of this notification. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX FUNDING XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Bankruptcies are being reported on my credit report and the information being reported is incorrect. I addressed this with the credit reporting agencies and they claim that the information they obtained from their investigation is " Verified '' as correct. They failed to provide me with the source ( s ) which provided the information to them other the the Court address and telephone number. The dates in which they received my certified mail and they claim they conducted an investigation are during the weekend, in which we all know the courts are not open on the weekends. They have falsified the source in which they obtained their information. I addressed the Courts and I was informed that they do not report " ANY '' information to Credit Bureaus or Third Parties. I also sent a letter from the Courts website which substantiates the information the Courts gave to me, which I provided to the Bureaus ( TransUnion, XXXX, and 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 2024-11-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Moore Law Group
State: CA

Complaint narrative:
I sent a certified letter to The Moore Law Group on XX/XX/XXXX, it was sent before the 30 days. However, today is XX/XX/XXXX and I still have not received a debt validation letter claiming the debt that is owed is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I am writing to formally request validation of the debt that you have reported to me. This communication is being sent under the Fair Debt Collection Practices Act ( FDCPA ) and my right to request verification of the debt.

Please provide me with the following information : 1. The amount of the debt.

2. The name and address of the original creditor with proof of the original agreement with my signature on it.

3. A detailed statement that outlines the charges and fees leading to the current amount owed including payment history.

4. Documentation that shows you are authorized to collect on this debt including date that this debt was obtained.

5. Any judgments or legal actions taken against me regarding this debt.

Please note that until I receive this verification, I will consider this debt invalid. Additionally, I request that you cease all collection activities until this debt has been validated. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
I already submitted the necessary information and verification regarding the illegal nature of Discovers actions in locking a card in an attempt to force me to sign a document I am not legally required to and when I requested proof that a document existed stating they could I was hung up on and given no opportunity to speak to another representative despite repeatedly asking for over five minutes and being denied for no reason. The entire interaction was recorded for my safety and I am happy to provide copies to the cfpb and anyone else who wants them because they show with 100 % certainty that Discover has acted illegally and is even as dubious as unlocking my card for less than 24 hours after I submitted my initial complaint and then locking it again without notice or right, directly impeding on MY rights and causing SERIOUS HARM in the process. If the cfpb doesnt address this the courts will. And I will use the cfpbs lack of action as a clear sign I must be the one protecting myself from this companies detrimental and malicious actions.

Company response to consumer: Closed with explanation