vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : 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 2024-01-24 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: CT

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.

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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, I opened a savings account ending in XXXX with a precursor company named XXXX. CapitalOne bought them and in XXXX, I opened a CapitalOne360 money market account with CapitalOne. From my opening the money market account in XXXX until today, I was constantly told on their website about the high interest rate my " CapitalOne 360 '' account was earning. However, in XXXX, CapitalOne created a new savings account with an almost identical name called a " CapitalOne 360 Performance Savings Account. '' The website never changed its tune in trumpeting the high interest rate being provided by the " CapitalOne 360 '' savings account, but now was talking about the " Performance '' version of the account and not the older account that lacked this additional word in its title. The website never mentioned that the company discontinued offering the non-Performance account or that its ads were now solely talking about the interest rate on the new versus the old account, despite them having almost the same name. 

The above facts mean that all of us old customers, myself included, were misled as recently as today, by these assertions on the website. We thought we were getting the 4.35 % interest rate for the CapitalOne Performance Savings account, rather than the 0.800 % rate for the CapitalOne 360 Savings account that we actually held. Having been misled for five years on this point ( XXXXXXXX XXXX XXXX ), I finally realized through an article I read in the XX/XX/XXXX, edition of the XXXX XXXX XXXX, that I needed to change to the new CapitalOne Performance Savings account to get the rate I had been promised but not provided with over so many years. I made that switch today and was told by repXXXX XXXX and Supervisor XXXX that the only difference between my old money market account ending in XXXX and my new account ending in XXXX, was the name " Performance '' in the title and a 4 time higher interest rate. No new fees, restrictions or burdens were being put on me by making this switch. This is unfair to me and other old customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I initiated a transaction from the XXXX to XXXX through Remitly, providing the necessary details, including the debit card number, full name of the receiver, and mistakenly selecting XXXX as the recipient bank instead of the correct bank, XXXX. Despite the money being deducted from my checking account and the Remitly XXXX app marking the transaction as successfully completed, the intended receiver did not receive the funds due to the error in the selected bank. 

Upon realizing the mistake, I promptly contacted Remitly to rectify the situation. They advised me to wait XXXX hours for a response from XXXX to reject the transaction and refund the amount. However, even after the designated waiting period, the issue persists. 

My subsequent communication with XXXX has been unsatisfactory. Their response conveyed regret for the error but failed to provide a resolution. The only document they presented as subjective evidence of a " successfully '' deposited transfer is a PDF file from XXXX XXXX XXXX XXXX. While this document indicates successful transfer, it lacks crucial information necessary for tracking the transaction using the XXXX de XXXX XXXX service. This omission raises concerns, as XXXX law mandates transparency in electronic transfers, and the provided document falls short of meeting these requirements. 

I am seeking a prompt and comprehensive resolution to this matter, including a refund of the erroneously sent funds. Additionally, I request Remitly to provide documentation that aligns with XXXX legal standards, ensuring transparency in electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on XXXX XXXX, 2024 at XXXX I deposited 3 checks in total sum of {$4500.00}. this deposit was made at Chase bank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IL. 
this amount was never deposited in my business account. On Monday XXXX XXXX, 2024, I visited the bank and discussed the problem with the bank manager. I was told that due to computer issues on the date of deposit, some deposits had to be verified and that by Wednesday XXXX XXXX, 2024 my deposit should be in my account. As of the time of this complaint, there has been no activity on my checking account. I have attempted twice to contact the bank and have left two messages, and have not received any call back. 

I have a small business and need these funds to operate my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to dispute the interest charge of {$56.00} that appeared on my statement dated XX/XX/XXXX. I hold the Capital One Quicksilver credit card, which I acquired in XXXX during a promotional period that included cash back and a specified duration of free interest charges, either 12 or 15 months ( exact term not recalled ). 

My concern arises from the fact that, upon the conclusion of the promotional period, I was charged an interest fee without receiving any prior notification. Despite calling Capital One customer service twice to seek clarification, I have not received any satisfactory resolution. I would like to outline the reasons for my dispute : 1.Lack of Reminder : Throughout the promotional period, I did not receive any reminders via mail, email, or any other communication method informing me of the impending conclusion of the promotional period. While I routinely receive statements reminding me of payment due dates, the absence of reminders about the promotional period 's conclusion seems unfair to consumers. 

2.Difficulty in Recall : It is challenging to remember specific dates from a year ago. Had I been made aware that the promotional terms were ending, I would have proactively paid off the entire statement balance to avoid incurring an interest charge. 

3. Lack of Information Accessibility : Despite my efforts to find information on Capital One 's website and app regarding the expiration of promotional terms, no such information was available. This lack of transparency makes it difficult for consumers to stay informed about the status of their promotional benefits. 

4. Discrepancy in Customer Service Responses : While I encountered a similar situation with another credit card provider ( XXXX XXXX ), their customer service promptly addressed my concern, waiving the charge and refunding the amount. Capital One 's customer service, however, did not provide a comparable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: MD

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.

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 explanation
Consumer complaint received 2024-01-24 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: MD

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I called XXXX XXXX XXXX to find out where they bought a debt or received it from because it's already been removed for fraud/identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I lost my job due to XXXX. My credit scores went way down and I applied and got approved for a forbearance thru my lender ( Rocket Mortgage ). I made the scheduled trial payments during the workout plan and actually sold the house on XX/XX/XXXXat which time the loan and all fees were paid in full. Rocket erroneously reported my account as delinquent on XXXX even though I was in an approved forbearance workout plan and they showed a past due balance of over $ XXXX, which was the amount deferred under the forbearance. They marked me as missing XXXX and XXXX payments when for XXXX nothing was due and XXXX was paid. They refuse to remove the derogatory and delinquent remarks even though I was current and have paid the loan in full. They told me I have to waitXX/XX/XXXX years for it to come off. I can not get approved for any loan from any lender due to my credit score dropping to XXXX the day they reported my account as delinquent. I'm aXX/XX/XXXX working full time and we have to rent a small apartment that is more expensive than my mortgage was because I can't get approved for a loan from what Rocket Mortgage did. I paid them in full, they need to make things right for me and for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-01-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Robinhood Financial LLC about an XXXX breach XXXX which resulted in substantial losses I incurred. 

Please see the attached PDF file containing all relevant documents and evidence, as well as my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax : I have tried to contact Equifax on numerous occasions in order to freeze my credit. I can't get pass the security questions, as I don't understand some of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is complaint about my previous complaint # XXXX. CFPB was quick to close my complaint about not receiving a refund in a reasonable amount of time. TransUnion did respond however did not mention I was going to have to wait another 60 days for a payment. This is on top of waiting more than the mandatory 90 day term back on XX/XX/XXXX of XXXX. First of all I want to be clear I did not sign up for the service like they claim, at minimum it was a deceptive practice leaning towards fraud. I have never seen proof of this and the monthly fee being charged was low enough on my statement that I did not notice it for some time. The matter was agreed to in principle on XX/XX/XXXX of XXXX that I would receive a check within 90 days in the amount of {$720.00}. Since that time the only credit I have received was for 8 months of payments being credited to my credit card after being told it would be 12 months with a check to cover the remainder. The policy with TransUnion is to delay and not follow through on the refund. The customer service people are not properly trained to assist in any manner or solve the problem. I was told on XX/XX/XXXX by XXXX that it was being escalated once again to expedite the refund and I would receive a call within 3 days. On XX/XX/XXXX I did get a call from a Supervisor named XXXX who apologized for a further delay but I would get another call in XXXX more days hopefully solving the issue that was being handled by management and the Finance Department. No call was made and as a result today I spoke to XXXX customer service agents ( XXXX, XXXX, XXXX, XXXX and XXXX XXXX. Another policy with TransUnion is to wear down the customer by continuing to transfer calls where everything has to be explained all over and identities need to be verified so that I will give up. My complaint has to due with a further delay ( 60 days ) of a promise to send a check and CFPB is more than happy to assume that will happen and to close the case. I assure you I will not receive a check even if I were to wait for their most recent delay when it should have been expedited no thanks to your Agency.

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