vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: MI

Complaint narrative:
On XX/XX/2024 I opened a dispute with Capital One XXXX Credit Card dispute over an issue I was having with XXXX. XXXX explained to the Capital One dispute specialist that I had evidence of the company not following their established complaint dispute resolution process and ghost lighting me then closing the case with no action claiming I was not responding when the email chain showed I had been responding. The Capital One representative refused to take my documentation I had to together and instead told be to hold the information until phase two if needed. Tight now will just dispute the transaction in general and if the company rejects the dispute then to supply Capital One with the documentation. 

On XX/XX/2024 Capital One informed me that XXXX had rejected my dispute and the charges were going back into my account and I could take this to the next level and provide documentation to the company. 

On XX/XX/2024 I contacted Capital One and opened that second level dispute and was provided the secure link to send my supporting documents, which I did right away. XXXX XX/XX/XXXX, XXXX Capital Once told me they will be closing my dispute due to not providing them the documents they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COLUMBIA BANKING SYSTEM, INC.
State: NV

Complaint narrative:
For over a year, I've been getting hit with a XXXX XXXX monthly 'service charge for paper stmt fee ' even though I have online statements enabled. Every time I contact the bank, they confirm my online statements are active and reverse the fee, but then it reappears the next month! This is clearly a recurring error on their end, and I need a permanent fix. ''

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 2024-05-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - XX/XX/XXXX Hard Inquiries -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX I never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursue litigation

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 2024-05-17 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: AZ

Complaint narrative:
I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 XXXX XXXX and pursue litigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BILL.COM, LLC
State: NV

Complaint narrative:
On or about XX/XX/year>, without my authorization, XXXX  XXXX XXXX dispersed {$5900.00} from my account number XXXX  to Bill.com ( formerly divvy aka " bill '' ) and since that date has wrongfully refused to make set amount available to me. XXXX  XXXX XXXX dispersed these funds to a company called bill. This company claims I applied for a loan with them on behalf of my business. I did not apply for a loan with bill. I have been a victim of identity theft. Bill did not check ID for the applicant and XXXX  XXXX XXXX did not conduct an investigation. XXXX  XXXX XXXX and bill are simply agreeing with one another without conducting an investigation. Bill has provided some of the original application. Bill has refused to provide statements. Bill has refused to provide written proof of all communication with the identity thief to include emails and texts, as requested. 
I had never heard of bill ( Bill.com formerly XXXX ) until XXXX  XXXX XXXX dispersed funds to them without my knowledge. Bill is now stating I owe them {$11000.00} more and that they will settle with me by retaining the {$5900.00} and waiving the {$110000.00} provided I do not speak of their company ever again on any platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-17 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX MI, located at XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, for their refusal to complete a transaction after approving my credit application, and for potential violations of federal consumer protection laws. 

On or around XX/XX/2024, I applied for credit with XXXX XXXX for the purchase of a XXXX XXXX XXXX. My application was approved, and I received confirmation of this approval on or around XX/XX/2024. However, XXXX XXXX XXXX has failed to provide the necessary paperwork and finalize the transaction despite multiple requests. 

XXXX. License Requirement : After the approval, XXXX XXXX from XXXX XXXX XXXX informed me that a valid drivers license was required to extend the credit as part of the contract terms. Despite my attempts to provide the necessary documentation and request the contract details, they have repeatedly failed to furnish the contract, promising on several occasions that it would be provided but never following through. 
XXXX. Unclear Communication and Non-Resolution : I have given XXXX XXXX ample time to rectify this situation, yet communication has become impossible. Their refusal to provide the contract or resolve the issue is causing significant inconvenience and financial uncertainty. 

XXXX. Violation of the Truth in Lending Act ( XXXX XXXX Code XXXX ) : XXXX  XXXX has engaged in practices that violate the Truth in Lending Act. Specifically, they attempted to advertise a down payment as part of the transaction, which is not a customary or usual practice for them, contrary to the provisions of 15 U.S. Code 1662 ( b ).

a. Village Ford Failed to disclose the financing statement and the entails, was requiring that I get insurance from am outside source for the completion of this transaction, instead of informing me that it can be included in the financing. 

XXXX. Failure to Act in Good Faith : I informed XXXX XXXX - XXXX of my mistake in good faith and sought to rectify it. Despite this, they have not responded to my efforts, further indicating bad faith and a lack of proper business conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: OK

Complaint narrative:
I have repeatedly asked the Credit Bureaus XXXX, Equifax, and XXXX to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have repeatedly asked the Credit Bureaus XXXX, XXXX, and Experian to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.

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 2024-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: CA

Complaint narrative:
Square placed 30 % reserve on my account. I run a business with operating/overhead costs. I reached out to Square to release some of my funds to help me financially to pay for my bills. They declined. I reached out to Square on more than 5 separate occasions. I have exhausted my savings account and I am at a negative on my checking. I need help getting my hard earned money released. This is wage theft and it is violating my rights. I have no money pay my bills or buy anything for my family. My credit limits are all used up and Square is holding over XXXX of my money I worked for in reserves. This is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: AZ

Complaint narrative:
I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 XXXX XXXX and pursue litigation

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
I was shopping for cheaper car insurance and switched to XXXX on approximately XXXX. When reviewing the documentation, I saw reference to how they arrived at my rate, which was pulled from LexisNexis- it showed an at fault accident on XXXX. I was involved in an accident on that day, but the other driver was ruled completely at fault. I have attached XXXX files showing both the information on the report and a copy of the actual police report from the accident showing me not at fault. 

I have requested a copy of the report from LexisNexis in order to dispute the incorrect information. Their automated email with access to the report did not work, and the toll-free number never let me reach a human, it only pointed me back to their web site. It's impossible to get in touch with anyone to get the process started, much less resolve a dispute. 

I have sent the accident report directly to XXXX and they refuse to accept it, instead referring back to the LexisNexis report. The inability to successfully contact anyone at LexisNexis is what prompted me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-17 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: UT

Complaint narrative:
there is an account on my credit report that is not mine and belongs to someone else

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hope all is well. The reason why Im writing is because my Bank of America credit card ending in XXXX all my payment methods ( bank accounts ) have been deleted and its not allowing me to add any of my bank accounts to make a payment for the future payments. Can you please fix the issue? So it allows me to add my bank accounts when its time to make a payment. I have had this account for over 10 years and I havent ever had this issue before please fix it. Thank you for your time.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft I signed into my Experian made a new account in XXXX of this year and I seen Mutiple names inquiries all on my account. I called Experian in XXXX to ask what to do and they told me to upload documents to support the dispute Ive sent over 3 letters and im not getting any answers.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a XXXX balance for several months, was issued the card XXXX years ago ; I inquired about the promotion they kept sending e-mails and mail about. I also asked to apply for a lower XXXX since my credit is great and I'd never been late on a payment. They said you need to use the convenience check-without explaining a XXXX % fee to utilize the promotion. I originally used the promotion when I bought a refrigerator from XXXX in 2014 or earlier, there were no fees. I just made the check on Tuesday XX/XX/XXXX for a XXXX bill. Today I checked my account to see when a payment would be due, well payment due on XXXX XXXX with the added XXXX % on my balance. I called them a third time to try and clear this issue, no way and no reduction of interest rate-currently XXXX % when my credit score is XXXX. 
I told them these were unfair financial practices since they advised me to use the check without explanation of fees in order to utilize promotion. I told them I wanted to cancel because I have cards with lower rates or XXXX  % on a XXXX or XXXX bill. I don't think I owe them XXXX  %. By the way it's a Citibank Mastercard.

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 2024-05-17 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I entered an agreement with a XXXXXXXX XXXXXXXX XXXX XXXXXXXX, on XX/XX/XXXX for sales support, at the amount of $ XXXX. The company did not live up to or honor their agreement, and I cancelled the service on XX/XX/XXXX, when I received out of office replies to my inquiries on XX/XX/XXXX. 

The $ XXXX payment was setup through AppleCard/Goldman Sachs, and I began the dispute process on XX/XX/XXXX. I provided Goldman Sachs all email correspondence and documentation. I NEVER received anything for the payments ( {$600.00} ) XXXX received. Goldman Sachs provided me a temporary credit, but later reversed it, stating that their investigation contradicted the documents I provided. I filed an updated dispute, which was reopened with Goldman Sachs on XX/XX/XXXX. My account went into 30-day collections during this process. 

XXXX has not provided me deliverables for the {$600.00} debited to my account and Goldman Sachs says " Your Apple Card transaction dispute investigation is complete and the merchant charges will remain on your account.

Company response to consumer: Closed with explanation