vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My 3 credit bureaus XXXX, XXXX, and Transunion have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak English and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX credit bureaus Experian, XXXX, and XXXX have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak XXXX and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.

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 2024-10-05 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Google charge on my account that posted on XX/XX/XXXX XX/XX/XXXX -filed original dispute with XXXX XXXX XXXXXXXX for a XXXX Google charge XX/XX/XXXX XXXX XXXX XXXXXXXX denies claim advises to go to merchant XX/XX/XXXX Complaint filed with Google and denied, they will submit no proof of purchase Summary of your claim Claim ID : XXXX Date submitted : XX/XX/XXXX Status : Completed We sent notification of the results to XXXX. 
Your unauthorized purchases Purchase date Description Amount Amount refunded XX/XX/XXXX User-provided date and amount {$440.00} {$0.00}

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
The account showed " Account is under Restriction '' please contact us as soon as possible. 

I called 4 times so far, and each time they keep saying it is " under review ''. When I asked WHY is the account being restricted, they say they do not know why but that " they '' currently have in " in review ''. 

So I dont know the Why, the When ( of when it will be released ) or the " Who '' as to WHO is the party that is investigating this, so I can possibly assist them in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was sent info that Kohl 's XXXX  Credit Card COULD be converted to a Capital One Card. I called and they said I did not have to agree to that. I did not ever agree. They mailed me a Capital One card with a letter asking me to activate it and promoting the benefits. I never activated. I made a purchase at Kohl 's and intended to pay cash but she told me I didn't have to accept or use the Capital one ; I could use the old Kohl 's card and Kohl 's would bill me like usual ; not Capital One. I never got a statement from Kohl 's so I simply paid Kohl 's with online banking. Then today, a week later I get a statement from Capital One showing I owed the same amount to Capital One. I had already paid Kohl 's for that purchase. I called. The man explained it might take a while to reflect. I assured him I did not open or authorize a Capital One account. Nor did I give Kohl 's permission to share my info and open an account with Capital One. The statement said I could close the account. Capital One ( on hold a long time to reach someone ) wanted my name, address, social, phone numbers and email in order to tell me that I can not close the XXXX balance account unless they agree and in order for them to agree, I had to agree for them to share all my private information with their affiliates. I refused. Furthermore, they took over XXXX minutes of my time to explain my account was converted without my permission and found it humorous that this was done. They said they did not need my permission for Kohl 's to have converted the account. They refused to close my XXXX balance account unless I accepted the card and agreed to have them share my private info. I mailed a letter explaining again that I never authorized the account to be opened in the first place and want it closed and instructed them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I Friday XX/XX/XXXX th i purchased a {$500.00} vanilla visa card at XXXX. When i got home to activate it it said there was no money on it and inside the envelope was a {$50.00} card not {$500.00}. I went back to XXXX and ask the supervisor about getting a new card with the {$500.00} i paid in cash. She said this happens all the time its a scam i asked her what did she mean she took me to the isle and we t thru the cards and found another fraudulent card. 
Apparently XXXX knows all about it I called the XXXX company and i got nowhere meanwhile im out {$500.00} which is a lot of money for somebody unemployed please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
RC/Resurgent Receivables have a negative effect on my credit report stating XXXX is owed which is incorrect under US 15 code 1601!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I sent out a payment of {$430.00} through certified mail on XX/XX/year>. I asked for a return receipt and I also asked for a signature. Online it is showing as delivered and left with an individual at the posted address for payments on XX/XX/year> at XXXX pm. That address is Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have called on that day to ask about my payment and they told me it had not been recieved. When I told them that it was delivered on XX/XX/year> @ XXXX, they paused and then said that it would take XXXX hours to reflect. I wait 2 days and call back. They say they still have not recieved it. I again tell them that through the online tracking I have from sending it certified, that it was delivered on XX/XX/year> @ XXXX XXXX. They then say it could take a few days. Now they are calling me from numbers that have my area code even though this is a XXXX XXXX XXXX. There is no westlake financial on XXXX XXXX XXXX. I again stress that it has been delivered and note the date and time and then they threaten to report my car. I called back and have been hung up on multiple times. I have gotten through to a manager today, XX/XX/year> @ XXXX and after providing him the confirmation number he proceeded to hang up on me. I then decided to report them 100 % for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXXXXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. You have violated my consumer rights and violated federal law. I have attempted to bring this issue to light on multiple occasions as I have attempted to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had an account from XXXX, which is no longer on my credit report. I received XXXX calls. Every time I sought to answer, they would hang up on me. I know this was to get me to contact them to trap me into having it put on my credit report again. I am not working! I dont have any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This was a result of identity theft please remove from my Equifax account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my renewed drivers license was stolen from the mailbox. I immediately went to Experian, XXXX and XXXX to freeze my credit profile. While the fraud team was still able to only use last XXXX digits of SSN and zip code to create an account on Experian and unfroze my credit profile. Then, they applied for roughly XXXX credit cards and personal loans.

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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Capital One Account Suspension and Lack of Written Response Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Capital Ones handling of my account suspension and their lack of communication following my submission of required documentation. 

On XX/XX/year>, I uploaded all the requested documents through the secure channels provided by Capital One to resolve an account suspension issue. Despite complying fully with their request and providing the necessary documents, my account remains suspended without any explanation. I have made multiple attempts to obtain a written response from Capital One, but I have not received any clarification or guidance regarding the reason for the ongoing suspension. 

I am concerned that Capital One may be unjustifiably prolonging the suspension or attempting to force the closure of my account, which could negatively impact my credit score. I am also concerned about potential discriminatory practices. I am requesting that the CFPB investigate this matter and ensure that Capital One provides the necessary information and resolves this issue in a timely manner. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Under 15 U.S.C. 1681 - Fair Credit Reporting Act My report is supposed to be accurate with payment information. The vehicle was charged of over 3 years ago and my credit report this month showed I was delinquent in payment for over 3 years. This has caused my current credit relationships to be strained with current credit cards drastically reducing my credit limit which has caused a major drop in my credit score.

Also under 15 U.S. Code 1692, I have the right to not be subject to this unfair Debt collection method. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

This has cause me severe harm and need this completely removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.

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 2024-10-05 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: KS

Complaint narrative:
These inquiries I did not make on my report this is fraudulent

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I had money sent to my zelle from family so I can pay my bills to my XXXX. XXXX won't allow me to receive the funds that were sent to my account. It's my money and I feel as though I am being taking advantage of and I just want my money and to close my account out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: ND

Complaint narrative:
Under 15 U.S.C. 1681 - Fair Credit Reporting Act My report is supposed to be accurate with payment information. The vehicle was charged of over 3 years ago and my credit report this month showed I was delinquent in payment for over 3 years. This has caused my current credit relationships to be strained with current credit cards drastically reducing my credit limit which has caused a major drop in my credit score.

Also under 15 U.S. Code 1692, I have the right to not be subject to this unfair Debt collection method. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

This has cause me severe harm and need this completely removed.

Company response to consumer: Closed with explanation