vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
I had XXXX disputes with Capital one, the first one was with XXXX XXXX XXXX XXXX  and when I paid in full for the reservation through cheap ticket and paid in full for it and by the time of picking up the car they just asked for a credit card as a security and I provided them my capital one and after returning the car an leaving the XXXX and XXXX weeks later they charges=d me again for the full amount which was {$1600.00}, technically I paid {$3200.00} for XXXX rental and when I escalate the situation Capital One sided the car rental and not me even when I sent them the confirmation and proof that I paid for it through cheap ticket they cared less and honor the scammer from other country rather their XXXX  years customer with no record of default or bad payment, second incident was when I booked XXXX tickets through cheap o air and because of a death in family I had to change my tickets and when I contacted the company they said I can do it through the Airline which was XXXX and I contacted the XXXX XXXX and they agreed to charge me additional {$200.00} and postpone my trip but it had to be via cheap o air and when I contacted them first they called me Lier and then when I brought the XXXX XXXX on call and they confirmed it but the agent asked them to make the change XXXX hours before flight but cheap o air did not take any action in purpose until the day before the flight and when I complained they hanged up on me and again Capital One honored the outside of XXXX XXXX instead of their XXXX XXXX customer, so far I lost {$3200.00} to Capital one 's dishonest service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-24 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 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 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I sent XXXX to my landlord and cash app locked his account and refuses to release it to him or refund it to me. 

XXXX XXXX At XXXX My land lord is XXXX XXXX XXXX rent a building for {$2500.00} a month from him, I was sending him money on cash app because I could only XXXX  XXXX {$1200.00} to him in time so I sent it over cash app. 

Well I didnt know his cash app had been closed for fraud. They said they are locking his account for 3 years so they cant release the funds than they said they would send him a cash app card. They said they cant refund me the money either they wont give us any answers and its been a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting XXXX XXXX  on my credit report, but this account and balance do not belong to me. I have disputed this multiple times with Experian, yet they continue to violate the rules and regulations regarding the handling of fraudulent accounts and identity theft. 

Once again, I am attaching the removal letter from XXXX XXXX  to request the removal of this account from my report. This situation is fraudulent, and Experian has not complied with the required time frame to investigate and correct this urgent matter. 

This needs to be addressed immediately.

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 2024-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Collection agency levied account. Chases claim that transferring exempt funds ( e.g., state adoption support payments to support welfare of child ) from my checking account to your savings account makes them no longer protected which is not entirely accurate. Exempt funds retain their protection as long as chase can clearly trace their source, regardless of the type of account they are held in. My checking account shows the direct deposit from the state and shows the transfer into my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just recently looked at my Credit Report XXXX I saw some hard inquiries that did not have Permissible Purpose according to Violation 15USC 1681B I also attach evidence

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank closed my account and canceled my Chase Amazon card on XX/XX/XXXX. 
I set up the Chase account because my bank in XXXX  ( XXXX XXXX  ) does not have branches in XXXX. When I set up thevaccount they told me I could qire transfer to the Coinbase account I have had for over 5 years. I can not transfer from XXXX as I have to be at the branch. 
I cam only debit XXXX and limited to so much a month. So I set up Chase to wire transfer larger amounts. The first amountbwss {$24000.00}. I had to go to tje branch on XXXX XXXX in XXXX to do this. After leavingn their corporate called with questions tjat I could not verify. Did I own XXXX ofbthese cars of which one was a XXXX XXXX XXXX. I told them I have had XXXX or XXXX XXXX  but that was 22 years ago. Then asked the same in XXXX vehicle, so they froze my transfer. I went back to the XXXX, they called, oorporate and opened my account and after threy verified it went through. The agent that verified said I could do wire transfers on line so, I moved another {$12.00} from my XXXX to Chase. When I tried to move it on line my account got froze. I called their corporate and they told me all my Chase accounts were canceled including my credit card that I have had for years and that they did not have to inform me why. They would mail a check to me for balance in my account. $ XXXX plus. I went to the bank branch to verify my check was mailed and he called corporate and they told him it is still under investigation and could notbl give me a date I would get my funds. 
I need that money, they have it,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 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 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2024 i made XXXX XXXX transactions via my Bank of America account number XXXX. The transactions are as follows : XXXX. XXXX {$1.00} to XXXX XXXX XXXX XXXX ) with confirmation number : XXXX XXXX. XX/XX/2024 - {$3400.00} to XXXX XXXX ( XXXX ) with confirmation number XXXX XXXX. XX/XX/2024 - {$3500.00} to XXXX XXXX ( XXXX with confirmation number - XXXX A total of XXXX XXXX dollars was transmitted for scholarship, visa and servis fees to XXXX XXXX using my bank of America account for family members to attend university. It turned out to be a scam and fraud. i have submitted a claim with Bank of America with claim # XXXX. 
In order to file a claim also to XXXX ; I was required by XXXX to include a Payment ID # for each transaction. I called and visited Bank of America location in XXXX XXXX, and they helped me call bank of America XXXX XXXX several times they refused to provide me with the Payment ID which XXXX said should be provided by my financial institution. I did similar transaction with XXXX XXXX in XXXX XXXXXXXX, and they provided Payment IDs for all transactions, but Bank of America refused to provide Payment IDs. It appears to me that bank of America is enabling XXXX to continue to defraud the public. I am kindly requesting that you request for a full refund of my money and also investigate Bank of America 's unhealthy relationship with XXXX that they are using to defraud the public. I need all the payment IDs of all transactions to submit Bank of America Claim with XXXX also although i have submitted a claim with bank of America. 
Futher to this i have submitted with FBI internet unit Submission ID : XXXX Federal Trade commission XXXX Number XXXX XXXX XXXX XXXX XXXX  Police with Report Number : 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 2024-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/year> I received a call from a blocked caller ID. When I answered, it was Westlake Financial trying to collect a debt from me for a car I had voluntarily repossessed in XX/XX/year>. I had asked them why they called from a no caller ID and the person on the phone said they didnt. I have taken IT courses so obviously i know a caller ID doesnt block on its own, especially for a debt collector who isnt allowed to call with no caller ID. I have since still been receiving multiple calls a day from them, breaking the rule of no calls 7 days after speaking about the debt. They call me anywhere from 1-6 times a day, also breaking the rule of no more than 7 calls in 7 days. I have been continuously harassed for months from tons of different phone numbers all belonging to Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information on my Equifax. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( s ) related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr. Cooper is trying to raise my mortgage by an additional {$71.00} due to an " escrow shortage ''. I do not have an escrow shortage. I overpaid my escrow during 2024 AND the only change to what is being paid with my escrow is my property taxes increase by {$1.00} THAT'S IT!!! I should not be forced to pay an additional escrow amount when there is NO INCREASE in my taxes or insurance other than {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint Statement to CFPB Regarding Unauthorized Credit Inquiries I am submitting this formal complaint to address unauthorized and unverifiable credit inquiries appearing on my credit report. I did not consent to or authorize any company, financial institution, or car dealership to access my credit profile for any reason. These inquiries are fraudulent, unrecognizable, and must be deleted from my credit profile immediately in accordance with federal laws and guidelines. 

Attached are the following supporting documents : FTC Identity Theft Report Government-Issued Identification Passport These documents verify my identity and support my dispute. According to the Fair Credit Reporting Act ( FCRA ) and relevant federal regulations, credit reporting agencies are required to block and remove fraudulent information from a credit profile within four ( 4 ) business days of receiving an identity theft report and supporting documentation. 

Fraudulent Inquiries to be Removed Immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under FCRA Section 605B and the timeframe established by federal guidelines, these fraudulent inquiries must be investigated and removed from my credit report within four ( 4 ) business days after receiving this dispute and the attached FTC Identity Theft Report and identification documents.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One closed my cards to to, too many returned payments. But I had the money to pay them, I've looked online and they are notorius for returning payments. And because of the excessive returned payments they permanently closed my cards and now I have to pay off the cards that I don't have access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: DE

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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 2024-12-24 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: TX

Complaint narrative:
My information was included in a data breach in XXXX  by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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