vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The first month i received the credit card i made my payment s few days early due to my once a month pay date. I was early two or three times until i checked my balance. I see my amount go up higher than my limit and immediately phoned them. 
After conversing over it close to an hour, they convinced me that we were back on track and the amount i saw would be lowered. 
Two months later, same thing, i called they fixed it. Another two pay periods pass and Im confident that the payments were being deducted from my account.

Nine months into this i made a final call, making sure they knew that the date i got paid was the only date, with a two day window, of which they could withdraw funds to cover my payment. 
Final month before i gave up, i checked online account to see progress and found nothing had changed except no credit privileges and interest accuracies making my original credit line hundreds over the limit. 
I had many things in my life happening through all of this. I trusted them to take my over amount payments from my account on the due date as per all the conversations between them and I. This is what auto pay is intended for, so I thought. I was wrong. 
I had NO intentions of ignoring the payments due on this credit card, i worked hard to even get approved ; this was very disturbing. 
Last comment, not only did i call them several times to verify payment dates, i set up, what they had online, options for people to catch up without destroying their credit with the loss of available credit. So i set three months of large payments to pay it off do that i could save my credit. They never followed through with this and I was just livid. Now they demand payments but The credit is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-23 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Inquiries 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 explanation
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report, as I am a victim of a data breach and identity theft. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have information resulting from identity theft blocked from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXXXXXX XXXX Account NumbeXXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$880.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$5800.00} Enclosed, please find the following documents to support my request : A copy of my government-issued ID. 
A copy of a recent utility bill or other proof of address. 
A copy of the police report I filed regarding the identity theft. 
Any additional evidence related to these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report, as I am a victim of a data breach and identity theft. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have information resulting from identity theft blocked from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$880.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$5800.00} Enclosed, please find the following documents to support my request : A copy of my government-issued ID. 
A copy of a recent utility bill or other proof of address. 
A copy of the police report I filed regarding the identity theft. 
Any additional evidence related to these fraudulent accounts.

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 2024-11-23 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: NY

Complaint narrative:
I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We were eligible for the FXXXX XXXX XXXX XXXX program through the American Express XXXX XXXX, which offers up to {$200.00} in annual travel credits. On this basis, we logged into the American Express travel service website, selected a XXXXXXXX XXXX XXXX XXXX, CT, and booked a two-night stay from XX/XX/XXXX to XX/XX/year>, using the XXXX XXXX 

Later that month, we decided to downgrade our card to the Gold Card after learning that American Express planned to increase the XXXX XXXX annual fee. Considering our current usage, we determined the benefits no longer justified the cost. 

On XX/XX/year>, XXXX months after the stay, I contacted American Express Customer Service to inquire about the status of the {$200.00} travel credit. I was informed that because we downgraded our card from XXXX to Gold, we were no longer eligible for the crediteven though the stay occurred before the downgrade. At no point were we notified that benefits earned prior to the downgrade would be forfeited. 

Adding to the confusion, I was then told that the hotel we booked was not eligible for the XXXX XXXX XXXX XXXX XXXX  This was surprising, as the booking was made through the American Express travel portal and paid for using the XXXX XXXX. 

We believe this situation constitutes misleading advertising. The eligibility criteria for the program were not transparently communicated, and the lack of clarity about forfeiting benefits during a downgrade created unnecessary confusion and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-11-23 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: NY

Complaint narrative:
I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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:
I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : 1. Creditor Name : XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}

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 explanation
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
XXXX removed XXXX XXXX XXXX XXXX removed it but experian and XXXX havent permanently removed the account. If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
This company failed to determine the stature of limitation of the debt in my State. There is no information sent to me in validating the debt. Please show me the postage verification that the information requested as a victim of identity theft was mailed to me. You keep calling me XXXX XXXX XXXX what makes you determine that person is me. This is the response you sent to CFPB. Please sent statements of account and receipts you have with my full name and same address I resided for the past XXXX years. You indicated to CFPB that you conducted an investigation and have enough evidence that this account is mine but fail to provide XXXX document with my name and address. Tell me when the creditor claims this debt became due and when it became delinquent, identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Please sent that information to CFPB to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$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 2024-11-23 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I opened an account online with Bank of America on XXXX I added my husband as a co applicant on same date he filled out the email they sent him to include him on the account. We were given access to the account app and provided an account and routing # which my husband quickly added to his XXXX XXXXXXXX and XXXX XXXX to make steady deposits because hes a barber. A few days later we received an email that my husband needed to fill out his paperwork emailed on XXXX or the account would be closed. He contacted Bank of America XX/XX/XXXX to advise them that he had already filled out this paperwork and we were unsure of what to do but didnt want the accounts to close. The rep stated that if paperwork was filled out disregard the email. We finally received debit cards on Saturday XX/XX/XXXX and I activated and used the card to make a payment on XXXX bills and to pay our cleaning lady. On first payment account was restricted. I call BoA and they said it was fraudulent activity confirmed I made the charges and lifted the restrictions. On Wednesday XX/XX/XXXX I go to my grocery store and utilize card and its declining, I contact BoA again and they tell me fraudulent activity but this time the card was closed completely and they would issue me a new one. Frustrated I hang up the phone on the guy, pay cash and walk out of the grocery store. I call back again to ask when this debit card is being sent and if we can put a rush on it and the new rep tells me my card isnt restricted my whole account is frozen. I ask why and they refused to tell me. I ask for a manager and they tell me the account is frozen and something about our identity. I ask what identity? Was this my husbands paperwork because we filled that out and they tell me they are unable to disclose and state i can open a new account. I say how can I open a new account with you guys when you wont even tell me why you closed this one?!? I ask when the funds will be sent and they said when the account closes. I hang up in frustration again. I call back XX/XX/XXXX as we opened a XXXX checking so my husband is able to take payments for his barbering and decided we will just wire the rest of the money from BoA to the new account. I call and they tell me that I am unable to do that as the account is frozen and i said ok can i go to a branxh and pull the funds and they tell me no I ask when is my money coming to me and they tell me the funds are set to he sent XX/XX/XXXX?!?? They may be able to do a hardship request so I can pull it from a local branch but it may not be approved and in the meantime I can not access MY funds simply because I opened an account with this branch and I am being given no information as to why? What happened?

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 2024-11-23 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft and a data breach, and these accounts were opened and inquiries made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief