vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX I was never late and want proof of being late not just a response of verified. I want actual proof of late payment sent to me

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had a credit card stolen from my residence in California while I was in Oklahoma. I reported the fraud and was told I'd receive a temporary credit from capital one. Now it's 3 days later on Monday and I'm being told I can't receive a temporary credit while the investigation is ongoing. And that I'd receive one once it was completed. It has caused considerable hardship to me and mine and I've been ridiculed, lied to and even hung up on because of my more colorful approach towards handling this with customer service agents. I'm not being treated the same as everyone else who'd get a temporary credit while this was ongoing and as such, I want to initiate a formal complaint against the bank for their unfair and deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute and letter for your reference. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For years, I have been facing persistent issues with Chase Bank, but now I have reached my breaking point. Recently, I made an online clothing purchase using my bank account, only to find that the clothes didn't fit me properly. Consequently, I initiated a return process, which unexpectedly required me to pay for the return shipping. To my dismay, XXXX XXXX, the retailer, informed me that instead of a full refund to my bank account, they would only provide me with a store credit for half the purchase price. 

Expressing my dissatisfaction, I informed XXXX XXXX that I would no longer be conducting business with them, as it was unfair for me to bear the cost of my own return and not receive a complete refund. Seeking resolution, I escalated the matter with my bank, providing them with the necessary evidence. However, to my astonishment, my bank charged my account without conducting a thorough review, even though I had requested to speak with a supervisor. 

When I finally managed to speak with a supervisor named XXXX XXXX, she callously informed me that their decision was final and suggested that I pursue legal action in small claims court if I wanted my money back and hang up the phone. This is so disrespectful to me and my money I put in the bank. Disheartened by this dismissive response, I recall our conversation taking place on Monday, XX/XX/XXXX, between XXXX and XXXX XXXX. 

I am utterly exhausted by Chase Bank 's negligence in safeguarding my funds and their tendency to favor vendors over their own customers. This is precisely why I refrain from using cash, as it seems that people can be deceitful in various ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the auto loan account with GM Financial has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via XXXX certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
When I open the basic account, on XX/XX/XXXX, I had used the promotion code saying that if I have XXXX direct deposits in to this account with total amount of {$1000.00} within 90 days of opening the account, I will receive {$200.00} as a intro bonus. 
However, after the XXXX direct deposits went in and no bonus coming in, I called the customer service around mid XXXX. They replied that they put a claim for me to receive that {$200.00} and told me that I should be expecting it within XXXX week. After XXXX weeks, I still haven't got the bonus. I called again for that, they said exactly same thing. Another XXXX weeks passed, I still haven't received the bonus. Then, on around mid XXXX, I called again, they told me the reason I haven't received it is because I will need to wait for 90 days in order to receive that. She gave me a certain day on XX/XX/XXXX. She said, on XX/XX/XXXX I should have received the amount. Today is XX/XX/XXXX, the amount is not in my bank account. 
I called again, and they told me I am not qualified for that bonus. They have been changing their words for avoiding delivering what they advertised. {$200.00} is nothing but it is a fraud if a company do not deliver what they promised!

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 monetary relief
Consumer complaint received 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One - A new credit inquiry and credit card was opened on XX/XX/01 without my knowledge. I found out by my loan lender asking if I had opened new credit. This was a surprise to me. Contacted capital one and they knew my ssn and date of birth and had opened an account reported to them this was fraudulent and to cancel. They were going to conduct an investigation and close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When a creditor requests my credit report, Equifax places a comment on my file under Credit Score : Score Factors : that states there is a bankruptcy on my credit report. I filed for bankruptcy in XXXX and disagree with this still being reported on my credit report. This is creating problems, including higher interest rates on loans. While I could get a mortgage, this required additional documentation, including drafting a letter stating why I had not filed for bankruptcy. I contacted Equifax, who claimed it was not an issue because it is only a comment and not reflected elsewhere in the credit file and that after almost 25 years, I have not had enough credit activity to remove this comment from auto-generating. Equifax is the only credit reporting agency that still comments on the bankruptcy, and my score is, and has been, significantly lower than other credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act, the auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MI

Complaint narrative:
Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account DISCOVER BANK : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The company requested my bank to file a dispute with XXXX XXXXXXXX XXXX, however my bank has already filed a complaint and tried to get funds back in XX/XX/2023. Capitol one denied their request and my bank is not able to file another dispute. I have attached both letters response. One from my bank and another from Capitol One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Between XXXX and XXXX XXXXXXXX XXXX took money from my CITICARDS CBNA XXXX credit card account. I informed CITI that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I called the branch on XX/XX/XXXX, where I received my loan from and inquired about the interest rate that I'm being charged. I explained that I'm paying almost double my principal amount in interest. The gentleman that I spoke with said that there is nothing that he could do about it. My loan for {$11000.00} that I received in XXXX of XXXX, was a refinance on a loan of {$7500.00} that I had already been paying on plus an additional {$4000.00} that I was receiving at that time. He said that I agreed to a 5  year loan and that my pay off was {$10000.00} plus dollars. I said to him that this was predatory considering that I pay {$350.00} a month and out of almost {$4000.00} dollars worth of payments that had been made less than a {$1000.00} went towards the principal amount. He explained that when I finish the payment in 5 years I will have paid over {$21000.00} dollars for an {$11000.00} loan. That in itself is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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