vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I walked into the dealership at XXXX XXXX Indiana XXXX  months ago and tryed to trade my car in they said that wouldnt be a good ideal and told me jus apply for another car loan and use my business name so I did XXXX weeks later the car came up on my personal credit report after I told them Im in the process of building property they reassure me that it was in my business name but that was false information just to get a sale

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV purchased a Debt from XXXX XXXX say I owe them but the Statue Limitation is past due to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We had an attempted fraud which involved a Wells Fargo bank account. I received an email from an individual attempting to impersonate an employee at XXXX with an invoice/banking instructions attached. I typically report these fraudulent accounts to the bank in question. 

In this case Wells Fargo made reporting fraud on one of their bank accounts incredibly difficult. 
- I went to their website where I was directed to call a general line. 
- That line was not optimized for reporting fraud, and was instead just general customer service. 
- I had to wait until a general option presented itself as we are not XXXX customers. 
- I then talked to an agent. 
- Who forwarded me to an agent - Who eventually gave me the email address, but wanted to transfer me 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 explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was forced by my old job to sign up for a synchrony bank Sam 's credit card because of synchrony banks predatory policy regarding how many credit cards they can get people to sign up for. If you didn't get any signups they would penalize the company and the company would penalize your club and your managers would penalize the employees for not trying hard enough for not making quota on credits. This would force our managers to try and " encourage '' employees to sign up for one to show corporate that we were at least trying. At first it was alright I kept the balance low and paid it off on time. Then the inflation crisis hit and I was having to use it to put gas in my car at {$5.00} a gallon to get to work. Well that quickly ballooned the balance up to {$2000.00} dollars. I had a {$5000.00} limit. I was paying the minimum amount per month with no issues. 
Fast forward to XXXX of 2024 and my credit score plumits from XXXX down to XXXX and my minimum payment goes from {$98.00} to {$250.00} dollars and my credit limit is decreased by {$2000.00} dollars with no warning, no letter, no email, no call, NOTHING!! Now I'm inundated with harassing collection calls from synchrony demanding the full minimum payment. And when I pay what I can they informed me that what I pay will go towards the previous month and not the current month.

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 2024-07-08 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:
I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!

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 2024-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a promotion from Capital One offering a {$300.00} credit for opening a 360-XXXX  account. I tried to open the account online and transfer {$10000.00} from my XXXX XXXX. However, the promotional code provided by Capital One needed to be fixed. When I called the customer representative for assistance, she made a mistake and opened XXXX additional accounts, transferring {$11000.00} from my XXXX XXXX  account. This caused an overdraft and much stress. Since then, I have not received the {$300.00} credit, and the {$11000.00} transferred to the Capital One accounts has yet to show up. I can not close the additional accounts created by mistake, and I am losing interest from my XXXX XXXX  savings account. I want only XXXX savings account and a {$300.00} credit as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-07-08 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: MA

Complaint narrative:
I am writing to formally dispute the closure of my XXXX account ending in XXXX, which was closed on XX/XX/year>, due to an alleged inability to verify my personal information. I request that you provide specific details about what information could not be verified and the methods used in your verification process. 

Under the Fair Credit Reporting Act ( FCRA ), if the information can not be verified, it must be removed from my credit report. According to the FCRA, you are required to verify the accuracy of the account information reported to credit bureaus. If you are unable to provide verification, I request that this account be immediately removed 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
the credit check company of the apartment I'm applying to received a report that my credit score was XXXX points lower than I thought it was. They said my score was XXXX. I went on XXXX XXXX and for TransUnion, it was XXXX and XXXX was XXXX. Then, I went to TransUnion 's website which redirected me to Annual Credit Reporter since the company only wanted TransUnion 's report. On ACR, my score was XXXX. In all reports received, I have no outstanding balances, evictions, liens, etc, so a XXXX discrepancy is the difference between being able to rent or not. 

The background check company then informed me that they received a report from TransUnion 's XXXX version. However, everything I've received was the XXXX version. When I called TransUnion directly, the representative didn't even know the XXXX version existed or what I was talking about. Then denied to get me a copy insisting that " the one you received from the website is the most accurate one. ''

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 2024-07-08 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: FL

Complaint narrative:
Chase bank locked my account due to what they said was unusual activity but accepted 2 direct deposits from my job and won't give me my money, they told me they are holding my money for whatever reason so basically stealing money I earned from my job

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A card was opened through Capital One without my knowledge on XX/XX/year>. On XX/XX/year> I froze my credit, disputed the hard inquiry through XXXX, and reached out to Capital One to report the fraud. An investigation was opened, no further info given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also any other documents they may have so that I can review and see if this is actually an account that belongs to me. They have yet to send any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unable to contact the company and speak to an individual ( verse the automated machine ) to be able to get my questions answered and resolve my fraud issues. Initial attempt was on the weekend, but also during business hours during the week. It is a monopoly that I am locked into using them and because of that they need to be able to field my issues with the information they have access to of mine.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Due to XXXX XXXX XXXX XXXX XXXX 's ongoing felony fraud and felony hate crimes with respect to my accounts, specifically and particularly, my checking account... I have a late with Experian. The XXXX XXXX XXXXXXXX bank issued credit destroyed my credit by a 30 day late payment of XXXX dollars. Experian is notorious for disregarding Fair Credit Reporting Act with regards to my welfare. Consumer Financial Protection Bureau has previously intervened on my behalf against Experian directly on the phone with me. I need Consumer Financial Protection Bureau to order and command Experian to remove this illegal reporting of a late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had gap insurance on this CREDIT LOAN for a vehicle. When the car got repossessed it was paid in full through gap insurance. This is becoming a huge liability and really hindering my credit. At this point I will seek to sue for damages as this has been reporting for 9 years!

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
For the second time in years, Citi Cards misapplied funds for one account into our other account. We use our credit union to make bill payments and in XXXX, and Citi applied both amounts to one of our accounts; leaving one account past due. No text, email, or phone call was made to me until XXXX couldn't process a payment and I contacted Citi. 

I have been with Citi Cards for over 23 years and always pay before it is due. My wife is also on this card. Years ago, my wife also got her own card as a backup, I am also on this card. We also travel a lot, including internationally. 

Each credit card has its own account number of course, and that is on the bill pay with our credit union. The payments went out 3 days apart due to their respective due dates. 

When I found out about the issue, XX/XX/XXXX, I called and a rep reversed the amount and applied it into the correct account. On XX/XX/XXXX, I called again and said I wanted to make a " complaint '' and wanted a supervisor. XXXX took all my information but they do not have a reference number for the complaint, nor will Citi send me a personalized letter stating how this happened ; and what they are doing to ensure it doesn't happen again. 

I believe this issue is happening to others and systemic issue with Citi.

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 2024-07-08 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: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2024-07-08 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this account violated my rights to privacy. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under and open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOLEDO FINANCE CORPORATION
State: OK

Complaint narrative:
This company listed my account as a charge off causing my credit to go down XXXX pints when I was never late and paid on time. I wonder if this is a regular practice for them. This is unfair and should not ever be a problem again. I have proof I was never late in the sort time I had an account with them.

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