vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
My account was set up on an auto transfer, which I attempted to cancel using the online app. On the U.S. Bank app, it does not provide an option to cancel an automatic transfer. The transfer was pushed through where my account balance was low and overdrafted, my checking account thats causing me to have a {$36.00} overdraft fee I requested to have the auto transfer cancelled XXXX {$36.00} overdraft fee refunded due to bank air and they declined my request. 

I also spoke to a manager at U.S. Bank, who was rude and unhelpful and the situation.

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 2023-11-17 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: AL

Complaint narrative:
Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and XXXX breach.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/23 i requested that the company equifax send me the documents they stated on my consumer loan attached to debts they say i owe. I have no knowledge and asked for them to verify and i have yet tor receive any information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 
At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXXXXXX  XX/XX/2022 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved. 



Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX had reduced my XXXX XXXX XXXX XXXX from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I inquired in XXXX of 2023 about discharging my balance. I had another credit card with the same company that i intended to use for a trip. My inquiry must have incited a hatred and comtempt because I recieved a letter stating I was trying to do fraud and as a result they closed my accounts and reported to the credit monitors that they had made some agreement with me when in fact they refused to tell me that I had right to rescind, dispute, or discharge the debt and their particular methosd to do this. They shut off my application acces and they have sold the debt to a third party that I never gave permission to share my private personal information, and contact information to harrass and bother me. I have not recieved any tax information regarding them writing off the debt, and I am convinced this result in parking bad and erroneous information on my consumer for the sole purpose to make me look bad to other creditors. They are still sending me bills, despite selling the debt. Balance billing is illegal right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied for preapproval for an auto loan from chase bank in the early part of XXXX and recieved pre-approval for {$32000.00}. I shopped around and because i didn't want my credit hit by multiple inquiries I went back to Chase and applied for the car that was less than the pre-approval. I was contacted by the underwriter and provided the information about where I wanted to get the car from and all the cars details. They sent me the denial a couple days later on XX/XX/XXXX. I called when I didn't recieve the reason for denial in XXXX business days, approximately the XX/XX/XXXX and I was told that a letter was generated and sent and I swear I never recieved it. I asked if they could resend it. They said theybwould, but I didn't ever get it. I sent another email complaining about the discrimination patterns and why they are not telling me why they denied the application. I complained about excessive fees they are assessing to my business acounts and why they insist on not telling me about the denial and they responded with an email that i should call. Again they told me they were going to send the letter. They still have not now XXXX weeks later. I believe these elaborate schemes are an act to sabatage my businesses by this frivolous denial of credit. I believe that this is just another act of discrimination and taking adverse action against me before I have a opportunity to correct, but I don't know what reason they are saying. If its possible the information is elaborately schemed to damage my reputation and Chase perpetuated the slander well that should be punished and damaging me is near irreparable without time and difficulty to restore my reputation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Someone fraudulently withdrew {$1300.00} using a XXXX transfer from my bank account.We got a call from the bank telling us what to do and then I found out that caller was fraudulent as well.The phone number came up on my phone as from my bank, but that was fraudulent as well.Now the bank has denied my claim and refusing to refund the money to my account.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I paid my Barclay Card total {$2000.00}. They said they did not get but cashed the check. Took several months and i sent copies of front and back of checks. They removed one of the credits then gave me a late payment and account was paid in full. Now the credit bureaus have a 30 day late for XXXX in XX/XX/ which was Barclay error that the fixed. I disputed on credit bureas but still came back i was late. Credit score went down significantly and i was never late. Just disputed again with documents stating i was not late. This needs to be addressed. Thank 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received an email from Synchrony Bank congratulating me on my new card ( related to Walgreens ). I did not apply for a card and in fact my credit is frozen. I called Synchrony to report the fraud on XX/XX/XXXX. They gave me a reference number ( # XXXX ). I am still getting emails congratulating me on using this card. 

My Wallgreens reward account was hacked- they left my information intact but changed the phone #. I changed it back to mine, then called Walgreens and asked them to permanently delete my account. This was done this morning ( XX/XX/XXXXXXXX  ) In my opionion their security is extremely lax. I knew someone was using my rewards account and I reported it to them multiple times, but no action was taken. The user lives in Illinois while I live on the west coast. 

I tried contacting Synchrony Bank again today, XX/XX/XXXX. I called twice and both times they said the connection was bad and they couldn't help me. There is no way to report this online with their bank. All services are provided to account holders and no place to report fraud other than what I have already done. 

I have added a fraud alert to my credit report with all three bureaus.

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 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by 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 2023-11-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
On experian credit report theirs is one negative item account ending in XXXX 60 days late experian credit supposed to remove the negative account in 24 hours I have a federal trade commission identity theft report on file please have experian remove the account right away social security number is 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 2023-11-17 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
This invalid and inaccurate item with an Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. that XXXX and Experian department were continuously reporting and furnishing on my credit report has long been removed from the XXXX side on XX/XX/2023. 

Im not really sure where the gap of communication begins, but I trust that they were all reporting to the same and one and only furnisher. So, might as well remove this account from their record as prompt as possible.

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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Ref ID - XXXX I suddenly received a notification today that PayPal permanently restricted my account and froze my balance. I understand PayPal 's efforts to maintain the security of the PayPal community. However, I have been using PayPal for many years and have always maintained a good usage history. Suddenly, my PayPal account was permanently restricted for no reason and my balance of {$8800.00} was frozen. This caused a big blow to my life and will cause me to be unable to pay my credit card bill in the future. Credit card bills will cause a lot of damage to my credit history. I need to use PayPal to pay invoices sent to me by merchants. I can not afford to lose PayPal. Please don't treat a loyal PayPal customer like me like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
I already made this complaint, but did not know to create an account to follow up on it. So here it is again : On XX/XX/XXXX, I left the Finest XXXX XXXX resort after a prepaid weekend in XXXX, XXXX. I flew home and on my next credit card statement, there was a charge from XXXX XXXX XXXXXXXX for {$1700.00}. This was not my charge or the travel agent ( Classic Vacations ) I used. It is also not the hotel I stayed in. I immediately called Capital One and reported the fraud. They initially removed the charge and replaced my card. A week later I got a letter from Capitol One stating there was insufficient evidence of fraud because : " Information we discovered leads us to believe you or another account user benefitted from the transactions ''. 

I immediately called them again and was told that since my physical card had been used ( the chip was used ) it was my charge. I tried to enlist their help investigating the merchant, but they refused. I can find no information on the merchant anywhere. The only possible time my card could have been compromised was when I took a cab at the airport and gave them the card to charge. They attempted to run it and told me it wasn't working so I paid cash. There are no other charges on the card from those dates. The credit card company refuses to change their ruling or assist me further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: MI

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I checked my email and credit report there are fraud. I did not submit any credit loans or business credit loans. I've made a report to identifytheft.gov to make these amends.

Company response to consumer: Closed with non-monetary relief