vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: NJ

Complaint narrative:
I received a credit alert on my Equifax credit report regarding an education loan that I took out in XXXX, not the US. 
I have attached the loan approval letter which I received on XX/XX/XXXX. I came to states in XX/XX/XXXX The loan co-signer is my father, and he is making the payments from XXXX. I am unsure why it has been reported on my US credit account. 
This entry has significantly lowered my credit rating. I request that this information be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I used my card for incidental charges at a hotel. When I checked out of the hotel, they put through the finalized charges and were paid. However, my card holder is refusing to release the hold on the incidental charges and said they will not do so until 30 days, even though my hotel, I still stayed in, has received their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took thorough steps to ensure the completeness of my dispute by including a copy of my photo ID, social security card, and a recent bill with my current address. These documents were intended to assist Equifax in verifying my identity and address accurately. 

Despite my efforts, I did not receive a response from Equifax regarding the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Equifax has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Central Mortgage Funding, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harrasing phone calls about loans that we never asked them about. Insisting we verify our information with them that we never gave them. After asking repeatedly to not call and remove from their call list XXXX XXXX insistently kept asking for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for a capitol one savor card in the middle of XXXX on XXXX XXXX I clicked on the card details and if gave me a list of benefits etc for this specific card. I found the terms and rates good for what i wanted ( 15 month 0 % APR ) and then after that was your usual interest rate. It also came with a few others such as {$200.00} credit after spending x amount in the first three months ( Which i did ) anyways this is not the case. I realized on my first statement i was charged interest and have not received the {$200.00} credit like i applied for. I called and capitol one stated i did not apply for that card with those benefits. I went back to the application process that i originally filled out and again that is what was on the application and terms. After verifying i indeed applied for that card ( going through the entire process again without submitting it ) I explained to them there is a mistake somehow. They then told me since i did not do it off their website they couldnt do anything and that i again selected the card with " fair '' credit and not excellent credit. Nowhere in the process of doing the application was there an option to choose anything like that. I went back to the application AGAIN on credit karma and when you hit continue to go through the application it brings you to capitol ones website to finish the application so saying it didnt do it on thier site is a LIE. It DID. And under those terms it was the same information i had applied for. All the information on the card details was the same that i applied for and yet theyre saying thats not correct. I have applied for two other cards in the previous year through third party and never got scammed like this both of those cards were exactly what i applied for. OMG. They wont do a single thing or let me talk to anyone they keep blowing me off and saying they cant convert the card WHICH TO I APPLIED FOR. This makes zero sense how they can SCAM people into this XXXX. THIS IS SERIOUSLY FRAUD AND UNACCEPTABLE. I havent been this mad in a long time this XXXX is ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received notification via mail stating that i was denied credit by this company for various reasons. I didn't apply for anything or any type of credit recently.

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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I made a phone payment to tirediscounters/Synchrony bank using my XXXX checking account on XX/XX/2024. Hours later a Palpal instant payment was charged to my checking account for {$4.00} to a gaming company XXXXXXXX XXXX XXXX. I alerted XXXX bank of the fraud payment . I removed most but not all of the funds from this account. On XX/XX/2024 another charge was posted for {$49.00} from XXXX XXXX again through Paypal. I contacted XXXX bank to report the fraud payment. 
I contacted Tirediscounters/Synchrony bank to report this issue, Synchrony bank states that they show no phone call to a person, their system shows only an automated payment only. 
Paypal does not have my XXXX banking information in their system.

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 2024-06-05 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 explanation
Consumer complaint received 2024-06-05 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
15 U.S.C. 1681c-2 4 DAY BLOCK AND DELETE of fraudulent personal identity information. According to the Consumer Report received from EQUIFAX on XX/XX/year>, and XX/XX/year>, and XX/XX/year>, the Fraud Alert contains an incorrect name, fraudulent phone number, and nonmailable address information. I have previously sent Equifax notices and supporting documentation required to correct my personal information back in XXXX, XXXX, and again in XXXX, XXXX, XXXX, and XXXX of XXXX, and Equifax continues reporting false and inaccurate information. PLEASE SEE ATTACHED Proof of IDENTITY and ADDRESS is again provided with Redacted non-relevant information for my protection on the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to file a formal complaint against CAPITAL ONE, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/year>, I notified CAPITAL ONE that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a payment to my credit card. I selected an account that I do not use. Realizing my mistake, I called to attempt to cancel. I spoke to someone named XXXX. Chase said that they could not cancel, and additionally that they will attempt the payment twice. This has now caused me two {$32.00} fees in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data 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 2024-06-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company doesn't have a real call center with live representatives. There is no way to file for a dispute and it is still impacting my credit score. I tried all the options from the automated call system many times but I coudltn get to anybody. If they are not going to take the dispute, they shouldn't work as credit bureaus. Why do we need to get judged by these credit bureaus that don't even exist? They don't take calls and try to fix people 's credits on time. The collection is paid off and closed. And the collection agency said they updated my info on the XXXX of XX/XX/year> and it looks like Experian will never update my data.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax sent an email about an update. The update does not make it clear what actions were or were not taken regarding my challenge of incorrect information being reported. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX XXXX XXXX XXXX which is not the original debtor isn't reporting accurate information. Additionally Equifax lied on the update saying my concern wasn't clear. 

The concern is the date and this being outdated. Accounts must be removed according to the opening date. The opening date was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
Account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
DEAR EQUIFAX I GOT UP YESTERDAY AND PULLED MY CREDIT REPORT I THEN REALIZED IM A VICTIM OF IDENTITY THEFT THEFT/FRAUD PLEASE HELP ME TO REMOVE THESE FRAUD ACCOUNTS FROM MY CREDIT REPORT.XXXX XXXX XXXX IS A CREDIT CARD OPENED ON XXXX, ANOTHER FRAUD ACCOUNT XXXXXXXX XXXX XXXXXXXX OPENED XXXX XXXX XXXX ANOTHER FRAUD COLLECTION XXXX XXXX XXXX OPENED XX/XX/XXXX .PLEASE HELP ME TO FIX THIS MATTER.

Company response to consumer: Closed with non-monetary relief