vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: CT

Complaint narrative:
Purchased an item on XXXX on XXXX XX/XX/2023. It was a piece of art in the form of a XXXX XXXX. Was not at all worthy of the XXXX I paid. Bought through XXXX with my savor one credit card which is capital one. Asked for a refund XXXX explained I had to go through my credit card company not them. Filed a complaint through the credit card company. They removed the charge .a few weeks later then they reapplied saying new information came to them from the seller. They gave me a cut off date to get all my evidence into them by fax. I did get all my info to them beside a tracking number showing I returned the item. I explained I did not have the persons address therefore I could not send back. I asked for her address, they stated they did not have it. I tried 12 times to contact the seller and no response. My evidence included letters of reference from artist stating this item was not worth even XXXX XXXX  and I paid XXXX XXXX  approximately 15 pages of evidence was submitted by fax. I called the credit card company and was told the issues was I didnt send the item back. Finally on XXXX XXXX XXXX I had a 45 minute conversation with customer service representatives from Savior one/ capital one Credit Card , worked my way up to a supervisor of disputes. He told me at first I had not submitted the documentation by the cut off date. I explained my situation of not having the address, but stated I had since found her address by acting as my own detective, and looking it up, he instructed me to go to my email where he was sending me a special link to upload the tracking information. I went an purchase a shipping label, when on my email and submit it the appropriate documentation as I was instructed to do by the supervisor of the credit card dispute department. I shipped the item out on XX/XX/XXXXXXXX XXXX XXXX. She received the item at XXXX  XXXX XXXX. I received a letter on XXXX XX/XX/XXXX through my email stating that I didnt provide enough information on XX/XX/XXXX so my case is close in favor of the woman .I have to pay the XXXX XXXX even though I was instructed by a capital one dispute specialist to return the item so that I could be refunded. Now I have no item and I owe them {$3000.00}, I want to do the right thing. Please help me. I can provide all my documents. At the beginning of each call, I made to capital one they say that we are talking on a recorded line. I asked the representative to tell me how I can get access to the recorded line because the call I made on XX/XX/XXXX was where the dispute specialist instructing me what to do to be refunded. That would be proof worth having, but they wont help me. The hung up the phone. PLEASE HELP ME. The case number this case is XXXX. The card is a capital one savor card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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:
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 : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I 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 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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My Credit cards were closed by Bank of America on XX/XX/2023. I cant collect my cash rewards from my account. Its about {$380.00}. I keep call BoA but their associates only said I cant get any rewards because of closure. 
Its unfair for me that the closure without any notice. I used the credit card to collect cash rewards and now BoA stole it.

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 2023-12-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I mailed a notice of inaccurate reporting to JPMCB for furnishing information on my consumer reports that IS FEDERALLY NOT supposed to be visible. 

Specifically, a charge off and negative remark. As outlined in the Fair Credit Reporting Act, specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report DOES NOT include report solely as to transactions or experiences between me and the person making the report. A charge-off is considered income, transaction history, and an experience between me and JPMCB and may not be furnished pursuant to the above mentioned law. 

It is now XX/XX/2023, over 30 calendar days from notice and delivery and I have not received any response from JPMCB or change on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
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 : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I 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 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 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Beginning of XXXX I was informed by a family member that collections were calling asking for me. Upon calling the agency myself on or around XX/XX/XXXX, I asked for an itemized receipt. Calls continued for over 2 months where I asked for an itemized receipt. On XX/XX/XXXX I received an itemized receipt saying I was owed a XXXX dollar refund from my previous apartment complex and that I owed XXXX to them. I called to confirm with the agency and they kept telling me they couldnt talk to me because my account was in dispute. Collections are claiming I owe XXXX dollars but I have not received a single document with that amount. I have asked over 10 times for this itemized receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
This credit reporting agency is reporting information regarding my payment history and utilization without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my transaction history. The history of my transactions are not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 USC 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments or utilization 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 2023-12-27 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: TX

Complaint narrative:
This credit reporting agency is reporting information regarding my payment history and utilization without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my transaction history. The history of my transactions are not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 USC 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments or utilization on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

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 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
purchased a Vanilla Gift Card on XX/XX/ as a holiday gift and loaded it for {$100.00}. ( I purchased the card with my credit card for payment. ) My friend, the recipient tried to use it at two different stores, but it didn't work in either store at all. Once opened, the actual card had 4 digits missing on the front of the card. Clearly a faulty card. The Gift Card didn't look tampered with when I purchased it, and in fact the cashier at XXXX where I bought it, examined it and assured me that it hadn't been tampered with. Since the front of the credit card is not visible in the packaging, this faulty number was not visible. Also, there was no sign of tampering with the packaging. 

I have the receipt of purchase, the packaging and the card itself as proof. 

I contacted the customer service at Vanilla Card Card by phone. The first person took my information and gave me a Case ID number. He told me to submit an email with documentation that included a photo of the receipt, packaging and card, plus the front of my drivers license. He gave me an email, very carefully and slowly, - I heard and wrote down exactly what he said - which bounced back. I contacted customer service again, told them my Case ID number and requested the correct email address. They gave me another, slightly different email address, spelling it out very slowly and carefully. This email also bounced back. I felt like I was getting the runaround, giving me incorrect email addresses on purpose in order to discourage me from filing a dispute. I searched the internet for help and found a third, slightly different email which I used. This successfully went through. I'm now waiting up to 30 days to hear something back from Vanilla Gift Card. I'm not holding my breath for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX Inaccurate inquiries that I did not authorize.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX  Inaccurate inquiries that I did not authorize.

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 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
I received a notice of garnishment. this company did not properly service me they have my correct address as i look thought the paperwork it clearly shows both address old and new address. i was not aware of this summon back in XXXXI will like for this summon to be withdrawn. Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 XXXXXXXX XXXX XXXX  Services Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NJ

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 : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I 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 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 2023-12-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 15 U.S.C. 1681 section 602 A. states i have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was overcharged by a restaurant merchant. I used my Capital One credit card. I did not collect/keep the copy of my credit card receipt. When I realized the ( new ) restaurant employee overcharged me, I visited the bar to attempt to resolve. The attendant took all of my information, took responsibility for the overcharge and stated the employee was new and learning. The attendant said I would hear from the manager within 5 days. After two weeks passed, I disputed the charge with Capital One. Unlike XXXX ( which is a good company ), they made the complaint/grievance process long and difficult. The rep told me it was online fillable form, it was not. I printed and filled out the form as requested. I mailed a copy of the dispute information I had and called again to receive a secure form/link to upload it. I uploaded the form and within 5 minutes I received a response that I was denied and the charge would be re-applied to my account. Why?? The rep on the phone told me my dispute letter would start the process of an investigation on Capital One 's part. They did NOTHING- meanwhile the receipt is sitting at the restaurant with the CORRECT amount I authorized my card be charged for.. And no one did anything. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: AL

Complaint narrative:
I filed FTC Report because I found incorrect ssn number reporting on my credit report on all 3 credit bureaus and fraudulant items on my credit report as well. Nobody has yet to help me and get this removed.

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 2023-12-27 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: AL

Complaint narrative:
I filed FTC Report because I found incorrect ssn number reporting on my credit report on all 3 credit bureaus and fraudulant items on my credit report as well. Nobody has yet to help me and get this removed.

Company response to consumer: Closed with explanation