vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital one credit card venture ibhave had a incentive XXXX XXXX XXXX XXXX was hacked my ohone was locked for 4 days because of a trial I had against a known hacker and when it unlocked after having it fixed by tech support my capital one account was overdue when it was still within the time limit and instead of XXXXXXXX XXXX payment I owed XXXX XXXX XXXX XXXX I paid XXXX and now I am cornered because my other bank accounts and online accounts arent billing right either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-30 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/24 I attempted to transfer {$2300.00} out of my account. I was redirected to my app to confirm my identity. When I opened my app to confirm, it didnt proceed to the page where it asks if I was the person attempting the transfer so I reattempted the transfer again and it did the same thing. I was unable to transfer my money out of my account. From there I called to call Citi bank to see what was happening and they essentially asked me to call again on XX/XX/24. Which I did. Only to find out that they closed my account. For reasons, they couldnt explain. I went back and forth with them multiple times until they finally asked me to go to a physical location. Which I did and they were vague as well as to why they closed my account and were holding my money. The person I spoke to pretty much just said I attempted to withdraw XXXX from my account when I only had XXXX so I explained to him that those were likely the two attempts I made to pull my money out but wasnt able to because of an error within the app. Anyway, I received a letter the other day and theyre telling me theyre holding my money for 60 days. I need that money to pay for my day to day cost of living. The representative I spoke to on the phone went as far as telling me that it wasnt a guarantee that Id even get my money back. Its been a frustrating situation altogether and I hope to get my money back as soon as possible. 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 non-monetary relief
Consumer complaint received 2024-03-30 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Service XX/XX/XXXX JPMCB Business Banking XX/XX/XXXX These inquiries are on my credit report, and I didn't give authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is XXXX XXXX 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer XXXX XXXX XXXX XXXX XXXX XXXX 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.

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 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is : XX/XX/1988. 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer ( s ) : XXXX XXXX. 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is : XX/XX/year>. 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer ( s ) : XXXX XXXX. 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I don't use my American Express Platinum Card often, it's a card that had a slight uptick in spending during the holidays, during which the recommended payment amounts were immediately made on my American Express Platinum card. Outside of one purchase made because of AMEX 's Purchase Protection, the card gets mostly groceries and recurring charges on it. Recently, AMEX has taken my available credit and made it negative, with not allowing even a {$5.00} transaction to process, stating I am now ~ {$2400.00} over my limit of a previous limit of {$25000.00}. This isn't just a slap in the face, it verges on fraud and a potential escalation to the Attorney General of Virginia as American Express charged me the {$690.00} annual fee and is actively ensuring I can not use any benefits that the fee allows for as it blocks any potential transaction. 

This is additionally offensive as I have been making larger payments on the card on a bi-weekly basis to ensure it is in good standing but am being told that it's not good enough, even when I have previously had a {$29000.00} charge on the card and paid it off without issue, and my family consistently has $ XXXX charges that are consistently paid off of which I am an authorized user of and they choose to report to credit reporting agencies as debts that I am obligated to. AMEX has given me almost no time in between the notice of a high balance and what amounts to a closure of the card, as I am on the Federal payment cycle and thus payments occur a wek after the XXXX and the XXXX, even though I had made my payment for the month and made an additional payment of over {$500.00}. This again is all while fraudulently charging me the full amount of the annual fee and ensuring I can not benefit or use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Throughout my history with this account, I've consistently made sure payments are on time, avoiding any instances of overdue payments. However, I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully ask for the removal of late payment remarks and a transition to a positive status indicating payments made as agreed.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: KY

Complaint narrative:
Ive recently filed a complaint with proof of inaccuracy on my credit file. 

Account name : XXXX  XXXX This investigating was asked to remove the whole account from my report due to inaccuracies

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 2024-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I paid off my loan with Nissan Motor acceptance on XX/XX/XXXX after receiving a payoff from their live chat feature. Two weeks later they requested an additional {$300.00} because of a lease disposition fee. I resisted but Paid to expedite my title release. I filled a complaint within NMAC the next day. The manager assured me I would receive a call with a decision about refunding the {$300.00}. A few weeks later I called again and asked about my refund and my title. I was denied even though they quoted me the total payoff amount and have a record of this in their chat transcripts. They also advised an error was made with the odometer statement. I corrected the error and have resent the form multiple times however every time I call for an update I'm either disconnected, placed on hold for over a hour or told it's still processing. I reached out to Nissan Consumer affairs who advised they are a separate entity and could not provide additional assistance. I have explained several times I just want to conclude our business and I assured them this will be the last time we have to conduct business. I can't seem to find anyone competent to finalize my transaction. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX. XXXX XXXX failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX  XXXX XXXX and PNC for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX due to the erroneous information furnished by XXXX XXXX. 


Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXX XXXX. 


Due to being denied, I am missing out on the new account promotions for {$200.00} that XXXX  XXXX XXXX offers and the that PNC offers. 


I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX  XXXX XXXX to open up an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for me. I am also requesting that PNC open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX, my Wells Fargo checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, Wells Fargo and I have settled in arbitration and Wells Fargo has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX. Wells Fargo failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX  XXXX XXXX and XXXX for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX due to the erroneous information furnished by Wells Fargo. 


Ironically, Wells Fargo opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXX XXXX. 


Due to being denied, I am missing out on the new account promotions for {$200.00} that XXXX  XXXX XXXX offers and the that XXXX offers. 


I am considering filing a suit against Wells Fargo for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and Wells Fargo has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that Wells Fargo sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that Wells Fargo was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX XXXX XXXX to open up an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for 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