vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the XXXX XXXX XXXX  of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated XXXX XXXX  and i did not sign anything and it wasn't provided with the documents Capital One sent. Capital One has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I attempted to resolve this issue directly with Bank of America they were reluctant to do so. I explained to them the circumstances regarding the account and offered to provide them with a copy of an identity theft report to which they declined and spoke to me in a very rude and condescending tone. I have filed MULTIPLE disputes with the 3 credit bureaus regarding this account in particular. They do not due their due diligence in their reinvestigation process nor does bank of america. XXXX has already removed this account but the other credit bureaus, XXXX and experian have not. I filed a complaint with the CFPB already towards bank of america and instead of reaching a resolution I was contacted by someone named XXXX XXXX XXXX XXXX XXXX resolution specialist. His reasoning for contacting me was to verify that I did indeed engage in a complaint against them. I confirmed that via email for him and was happy to do so. However, this contact was unwanted, all I want is for my issue to be resolved. After having representees of their company talk down to me in the past I want no further contact only a resolution to the issue at hand.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Im actually sitting in the bank and theyve even held a short meeting in the back to poorly lie and explain why they keep taking overdraft fees for no reason. They cant explain how my deposits dont cover my debits. Theyre on the phone now trying to figure out a way to explain why my deposit wasnt counted. Now theyre saying they dont know what times deposits and debits hit the bank. This has caused a snowball effect, driving my account more and more into a negative status. This is not the first time theyve done this. I let them know that I am in contact with you guys and all of a sudden, they can reverse the fees. Well see how this plays out and Ill file another complaint if theyre still trying to run this scam.

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 2023-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Called five times regarding rejection of mobile deposits. Was told problem would be escalated three times, never was. Was given multiple reasons for why check was rejected, all false. Lied to and process drawn out longer than necessary. Then told, I could take my checks to any bank.ANY other bank besides XXXX XXXX and cash the checks with no problem even though this representative has no knowledge of my financial history and even after the back of the checks are cluttered with writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

XXXX. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXX, XXXX  AND XXXX  STUDENT LOANS TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

XXXX. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

XXXX. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

XXXX. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

XXXX. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXX, XXXX  AND XXXX  STUDENT LOANS TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

XXXX. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

XXXX. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

XXXX. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted I have submitted disputes about incorrect and old addresses, several spellings of my name. I have submitted correct spelling of my name with proof of identity of my name with a current address. I have asked to remove all hard inquiries and student loans and yet none of that has been done.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : dept of ed/XXXX # XXXX XXXX, Account name : XXXX XXXX XXXXl # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX paid off this loan please remove it from my credit. This has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper took money from our account with out us knowing. We do not do business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have called CHASE Bank twice to inquire about my current bank accounts and each time that I call the call is routed to the credit card department. They said that a credit card was opened in my name on XX/XX/XXXX, with a credit limit of {$750.00}, and was closed as a charge-off account on XX/XX/XXXX. On XX/XX/XXXX, I was stationed in XXXX as an XXXX XXXX  and had no idea that someone opened up a credit card in my name until now the year XXXX. This account has never reflected on my credit report so I had no idea, I have never received any letters for this credit card. The address of this credit card was in NY. Apparently, someone reported it as a fraud in XXXX. The account number is attached to the document provided. Chase Bank has been failing to do its job in informing me that this has occurred in my name for years. Even though I had existing bank accounts with them in the past they still did not inform me that there was a credit card opened up in my name and that it was a charge-off account. I am finding out 8 years after the fact. The first time I found out from the representative they told me not to worry about it because it was reported as fraud. Two weeks after that I called back to check on my bank accounts and the call route me back to the credit card department that card is still reflected under my social security number which tells me that the investigation never was closed out. This is an internal problem in the bank and it has caused me to not be able to apply for any credit cards from chase because they had this hidden charge off a credit card that was opened fraudulently in my name. I have been trying to apply for credit cards and have been able to get credit from this bank because of this in their system. They have a responsibility to protect consumers ' information and they fail to do so for years. Right now I have a business account with them and I like to apply for business credit but I am not able to be granted any type of credit with them because of this credit card issue that I am not aware of. This is causing a setback in my business because I have not been able to obtain credit from them which is unfair because of their own negligence. They told me on the XXXX XX/XX/XXXX that they are going to have to start the investigation all over again and send over a message to that department. They need to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
{$120.00} XXXX XXXX, 2022 was the transaction date. Reference number : XXXX This was for advertisement on XXXX i never agreed to. I agreed to {$300.00} free advertisement for XXXX month ( i called at XXXX month mark to cancel ), and it over charged me for extra items i did not agree to in the first month. I tried to call XXXX they said they would refund me but never did, I reached out to them again and no one there seems to be able to help. I would like my {$120.00} refunded asap to my american express card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX I received a letter response from chimeXXXX bank through CFPB portal that I needed to file a dispute in reference to my complaint. I spoke with chime this morning and they submitted my dispute and immediately denied my claim stating there was no wrong doing. I am extremely upset that their decision was made quickly without proper investigation of this matter. I want this to fixed and I want my money back as I clearly am a victim if identity theft. Below are the details of what happened that triggered this complaint process. I have taken the time to do everything right and I have followed all steps regarding this matter and I just will not accept a denial from a bank that allows fraud to happen to their customers. Please see below dispute. 

On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX am for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX Plus in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is defaming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission.They were able to verify my identity but did not respond within 30 days to my request for investigation.

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