vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One allowed XXXX XXXX lines to over charge my account even after I immediately notified them of the circumstance. XXXX keeps sending them a list of trumped up charges due to a faulty sail and sign card. This is not a small amount, it was to the tune of over XXXX in one day/night. I told XXXX immediately that these were not my charges. The charges shown are not correct. The only evidence is video surveillance and Capital One will not ask for and XXXX will not provide. I have told Capital One this is fraud on my account. They even allowed them to go over my credit limit by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MI

Complaint narrative:
My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
This is XXXX XXXX, I'm reporting that on XX/XX/2023 I claimed a dispute with Netspend All-Access reporting unauthorized withdrawals in my checking account. My Netspend account was hit by a fraudulent Debit Card scam. XXXX at XXXXthere were 4 unauthorized transactions that took place at XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my Debit Card info without my knowledge or authorization. 2 transactions were for the amount of {$200.00} and two more additional transactions for {$300.00}. Equaling a total of 4 unauthorized transactions that equal the amount of {$1000.00}, Plus the 4 fees that are included equaling {$11.00}. Which adds up to a total sum of {$1000.00}. Netspend is refusing to refund my loss saying that, " this incident took place in the same town you live in ''. I also called XXXX Police Dept. here in CA to make a incident report which is Claim ID : XXXX. Please HELP!!! Thanks XXXX XXXX. reach me at XXXX thanks

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Theres inaccurate information in the bankruptcy files by XXXX XXXX XXXX and Trans Union both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.

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 2023-04-28 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: RFNA, LP
State: GA

Complaint narrative:
Check my credit report and notice unfamiliar things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NC

Complaint narrative:
I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. XXXX advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

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 EQUIFAX CREDIT REPORT INQUERIES 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  CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase credit card was opened up fraudulently in my name- Immediately closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
I was scammed out of money on cash app platform in the total amount of XXXX on XX/XX/2023 I need my money back and the ones who scammed me to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the XXXX and TransUnion credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
I contacted the company involved and explained to them multiple fraudulent transactions on this account and they did not accept explanation. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I got alert on my credit report of this account being open and balance of XXXX charged. 
There is no number to contact the company. Contact info on the my credit report shows Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX States XXXX XX/XX/2023 Shows credit limit as XXXX open balance XXXX I need help with this. I have contacted XXXX and XXXX. They stated this could take 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. Transunion advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

TRANSUNION CREDIT REPORT INQUERIES : 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 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 CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE

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 2023-04-28 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: NC

Complaint narrative:
I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. XXXX advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

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 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  EXPERIAN CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX  several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX. She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This morning I called XXXX  XXXX XXXX  ( XXXX XXXX XXXX ) because I paid for the protection insurance on my cards. The account was closed in XXXX. The insurance expired some time in XXXX. The account should have never been reported to the credit reporting agencies. They should have just went through the insurance. Today I spoke with XXXX ( supervisor ) and she pulled up the insurance document but said, they could not provide it to me because the account was in collections. I explained, to her I had a contract with you all, the collection agency does not have this information. I said, you all sold my account to a collection agency with inaccurate information. These two accounts should have been paid for through the insurance. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had to undergo XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now that I am better I realize the creditors are bogus. 
I also had a XXXX credit card and my balance was XXXX I paid XXXX and a few days later I realized I could not use the card. I called, a few months and they said, it was probably late fees. How can I have late fees I just paid, {$1000.00} and you all closed my account because my credit score dropped. I never missed a payment. I wrote an email because I felt like it was discrimination. I never got any further. They were very snotty and told me to call the collection agency. I also had insurance on this card but I never missed a payment, even though I wasnt working I stayed in good grace. On my credit report it still says I owe a little over {$2500.00}. where did the {$1000.00} go. They really treated me bad during the pandemic. Its really sad that they are taking your money and then canceling your card. I was so shocked at their behavior. Why is this okay for creditors to report to the credit reporting agencies and then sell the account to a collection 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 non-monetary relief
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Friday XXXX the XXXX I attempted to file dispute on file for incorrect personal information on my Experian account. I attempted to dispute the Adresses on my report but the pagewould not load even after refreshing the page and logging in on another device. I also attempted to dispute medical information reported on my account and was unable to complete that 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 2023-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removefixd the following accounts completely from my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently tried contacting Experian to correct severe errors in reporting. I sent them a letter on XX/XX/XXXX and they sent me an email to me on XX/XX/XXXX with a very generic and computer generated response stating that the dispute " does not appear to have been sent directly by me or to authorized by me. I replied to them on XX/XX/XXXX re-confirming my identity as well as requesting a re-investigation of my existing dispute request that has not yet been resolved. 

This is now my fourth attempt at correcting the inaccuracies on my credit report that are causing damage to my credit profile and impeding me from being able to get new credit which is also affecting my personal life. 

Experian is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and I am practicing my rights as a consumer via the Fair Credit Reporting Act that states that all information reported on my credit report must be 100 % accurate otherwise it needs to be removed.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a chase account and did direct deposit XX/XX/XXXX my deposit hit and tried to log in but it said due to suspicious activity we closed your account HOW IS THAT SUSPICIOUS WHEN ITS FROM MY JOB? I have been calling all week to get my money and the reason why the closed my account no answer. Monday I went in a branch and they couldnt tell me sooo I talked to a representative over the phone XX/XX/XXXX and told me my funds will be mailed a check and will get it Thursday said ok hung up. Friday I get a call saying that I could go pick up my funds from a branch WHAT BANK JUST SIT THERE AND LIE ABOUT YOUR FUNDS CAN BANKS JUST DO THAT NOW TO PEOPLE I HAVE BILLS TO PAY WHICH IS SETTING ME BACK I WENT TO THE BRANCH AND THE BRANCH TOLD ME NO LIKE THIS IS RIDICULOUS IM HAVING A HARD TIME OF GETTING MY MONEY NOW I HAVE TO WAIT XXXX business days

Company response to consumer: Closed with explanation