vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express has failed to update the address despite notice being sent to them to update. This has been a recurring issue with American Express including intentionally sending time sensitive information to incorrect addresses knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard inquiry from Capital one on XX/XX/ that I didnt give permission or recognized Institution Information CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: PR

Complaint narrative:
Dear credit Bureau To whom it my concem This letter Isa formal complaint that you are reporting inaccurated and imcoplete credit imformation una distressed that you have include the imformation below my credit profile and that you failed to maintain reasonable procedudures in your operation assure mximum posible accuracy in the credit report you publish credit reporting laws ensure that Bureau report only 100 % accurate credit imformation every step must be taken to assure the imformation reported is completely accurate and correct the following imformation needs to be re investigated XXXX XXXX XXXX XXXX I respectfully request to be provide proof of this tem specifically the contract note or other intrument like my signature Failling that the tem must be deleted from the report as soon as possible the listed tem is entirely inaccurase and imcopleted and as such represents a very serios error in your reporting please deleted this misleading imformation and supply a corrected credit profile to all creditor who have received a copy within the last six months or two last year for employment purposes Additionally please provide the address and telephone number or each credit granter or other subscribir Under federal las you have thirthy ( 30 ) day to complete your re-investigation be advisef that the description of the procedure used to determine the accuracy and the completeness of the imformation is hereby requested as well to be provide within fifteen ( 15 ) day of the completion. of your re-investigation Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX run my credit i never been there to do no application i call them and they say i need to call CFPB because they can help me and they don't have any information i never been there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I have been making payments on a medical dept to USCB America. The dept does not appear to be going down. They said it was because of the interest that I am paying. I requested a copy of their interest policy. The representative said they do not release that information. I said " if I am paying it, I have a right to know what it is '' again the representative denied my request. This occurred on XX/XX/2023. On a Recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: SC

Complaint narrative:
under the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2023-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CDS Debt Relief, LLC
State: OH

Complaint narrative:
XXXX I contact the company by phone and email. They took funds out of my account after the agreement was to hold the payment until the next. They said they will refund money! I said okay until they said by XXXX  payment thats when I realized this is a scam company that called my phone and lied to me about being a debt consolidation company. Cdsfinancial Or XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Since XX/XX/2023 we have been calling and faxing Bank of America about the lien on the house that was found when I was in the process of selling my house which has now been sold. Myself, my son and my lawyer have talked to the Bank of America numerous times and they continue to say we have to fax the legal department for us to get the documentation we need to show that the account has been closed and satisfactory due to bankruptcy. Bank of America tells us there is no lien and the account is closed and there is no money owed. The title company says there is a lien on the house for approx {$7000.00} from the Bank of America. The house has been sold since XX/XX/2023 and the money from that sell is still with the buyers bank due to this issue. I cant moved forward because of this. 

Since XXXX, my lawyer, my son and I have faxed the legal department 3-4 times a week with no response. 

On XX/XX/2023 I called Bank of America again. They proceed to say there is no amount due, the account is closed and satisfactory due to bankruptcy and they can not provide any documentation saying that, it must come through their legal department. They said we need to send a fax to the legal department to get the statement we are requesting.

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 2023-12-07 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: CA

Complaint narrative:
XXXX WITH THE BALANCE OF {$9200.00} AND XXXX XXXX in the amount of {$1900.00}, are the result of identity theft, and They are not belonging 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I had an account with Indigo. 
( account # XXXX ) on XX/XX/2023 I paid and settled this account. Since this payment was made my credit reports reflected the status of this account as Paid in Settlement. On XX/XX/2023 there was a dispute with this account. After the dispute the status of this account was changed to reflect the status of this account as Charged off which it should not, as this was paid in settlement. This is causing a huge issue for me, as I have mortgage lenders looking at the status of all of my accounts.I reached out to Indigo ( now known as XXXX XXXX ) and spoke with an account manager named XXXX who confirmed that the account is in fact paid in settlement and she does see the payment made, However she stated that they will not update the status of my credit report. She gave no reason as to why they wouldnt accept that they never do it. This is ridiculous and a violation of my consumer rights under the FCRA which states creditors are obligated to report accurate and verifiable information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your XXXX credit reports.

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 2023-12-07 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your XXXX credit reports.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am XXXX and can not read or write as I am severely dyslexic. I lived with my mother who passed away. A man known through my half brother named XXXX XXXX happened to own a business XXXX and suddenly took an interest in helping my garage shop neighborhood means of not much money but enough of repairing anything from lawnmowers to cars for those who know me in my area. He convinced me that I could be given a grant by the government for being XXXX to grow my shop and have a real shop and be able to bring in more customers. He promised to handle everything for me because he cared. He ended up getting a Small business XXXX covid loan in my name and I now know he put me as a caterer. He quickly vanished and I repeatedly called the bank PNC to ask if my money over {$21000.00} had come and why I was never getting a card or statement or anything. They repeatedly told me I received every card and would not answer anything because he changed the answers to questions and address and phone on me. I went there as I got really worried and the woman was very rude and printed me out all of his withdraws under his name and company name leaving the account at nothing fast. She just said someone would call me and walked away. PNC knew I was XXXX  and XXXX from the day I opened the account I told them. All of my many concerned calls begging them to freeze my account and not let anyone take money out were ignored. I have now reported him and them to the FTC and SBA for scamming the government and exploiting a elderly XXXX man out of a secure financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: IL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an 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 2023-12-07 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: IL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent me a letter said terminating their relationship with me and cancelled my credit cards with them. They wont give me a reason. Want to know why cancelled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Incorrect Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Incorrect Please remove it 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 explanation
Consumer complaint received 2023-12-07 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:
I have been going back and forth with all three consumer reporting agency 's XXXX XXXX and Equifax regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Ive not had any prior issues with Capital One granted Ive only had an account for a small time now. On XX/XX/XXXX my beginning of the day available credit was {$770.00}. I went out shopping for XXXX gifts and before doing so called to tell you all of this and to see if I could do anything to pay off my balance and have my available credit adjust near instantly. The representative said that I could do a bill payment ( as Ive done before ) or wire transfer for almost instant posting. I went ahead and used my card and at the end of the shopping spree my available balance was {$67.00}. So to have this increased I went ahead and paid {$500.00} from my Capital One checking using bill pay. When I got home and was doing my budgeting I seen I had enough extra to go ahead and pay more so I paid another {$120.00} from my C1 checking bill pay. I wake up on XX/XX/XXXX to see my {$500.00} posted but not added to my available credit. I keep calling in to get answers and get a different response everytime! The most common ones is A ) the pending transactions in my account are effecting it B ) the money I used on XX/XX/05 included the {$500.00} I paid at the end of the day C ) the money is being held. As per Capital One terms of service they are legally obligated to not withhold any money that has been posted to an account from its available balance. Ive done this a few times when my available credit was low using bill pay from my Capital One checking and Ive never had my money withheld for more than 48 hours from my available credit. Not only is this wrong its illegal and shows Capital One violating their own Terms of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
My XXXX  brother ( XXXX XXXX ) and I went into the FlagStar Branch located at XXXX XXXX XXXX, XXXX, MI XXXX. The teller was squirming with discomforts of discrimination. He did not want to help us, never spoke or assisted in a friendly way. My XXXX  brother received a money order from our grandparents to cash for a birthday gift of {$50.00}. The teller kept taking forever, got up and went to speak to the branch manager like he needed help cashing the money order. Keep in mind that there was enough money in the account to cover the {$50.00} transaction being cashed. Teller finally came back and entered what we thought was {$50.00} but gave my baby brother {$250.00} in hand and deposited {$100.00} into the account. 

Long story short, the Teller entered the {$50.00} money order as {$350.00}. Not only did he hand my brother {$250.00}, but later made it seem as if my brother was trying to defraud them. It's obvious the teller was going to try making this transaction a way for them to get over on my XXXX  brother who is a XXXX. I'm only on the account for the purpose of him having an account for his job, which received direct deposits. 

A week later, they began calling my XXXX  brother about the transaction that was done and my Mother and I got on the phone to let them know that this was purposely done by their teller. My brother thought that he was giving him extra money from his account that had already been in there. The representative made apology of the bank teller doing this and stated that there was nothing that they could do other than request the money back from my baby brother who had already spent the money. 

I'm involved because now this has been reported on my credit and is affecting my score tremendously. I have just started building my credit and I was at a XXXX, now I'm in the low XXXX XXXX because of this stupid bank transaction that has absolutely nothing to do with me or what the teller did purposely. He was rude and XXXX. I never thought my XXXX  brother would experience this, let alone me experiencing a decline in score. 

Please help, what can I do about this on my score.

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 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
OMF. OneMain Financial. Was not told that the payment would = XXXX the loan amount and the vehicle was loaned money against it and the value of the vehicle was half the loan value. I am a XXXX

Company response to consumer: Closed with explanation