vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing to file a complaint regarding the denial of my credit application by Capital One. Despite having an exceptional credit score, my application has been denied three times without clear and fair reasons.

First Denial : Capital One cited that I had previously opened and closed a similar card as the reason for the denial.

Second and Third Denial : I received no clear reason for the second or third denial, which is causing significant confusion and frustration.

Despite my requests for a detailed explanation, Capital One has not provided sufficient information to justify their decisions.

I have reviewed my credit reports from the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) and found no inaccuracies or discrepancies that would justify the denial of my application. 

I am seeking assistance in resolving this issue. I appreciate your attention to this matter and any support you can provide. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This loan is over 7 years old and the debt has been cleared but it is still showing on my report as a closed account which is affecting my ability to get a mortgage

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This loan is over 7 years old and the debt has been cleared but it is still showing on my report as a closed account which is affecting my ability to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This loan is over 7 years old and the debt has been cleared but it is still showing on my report as a closed account which is affecting my ability to get a mortgage

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing my personal information. Names and addresses are on my consumer report that shouldnt be and needs to be updated to the correct information which is listed below. My name is spelled XXXX XXXX XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I have a question about Fortiva credit card issues by XXXX XXXX XXXX. The FDIC solved my previous problem on getting that account closed. Now I have a question ; I am paying off the balance and of course, I expect to be charged interest. But can they charge me the annual fee ( the amount under the original terms of my account ). They want to charge me {$99.00} dollars broken into monthly payments. Is this legal? Thank you so much! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I asked them to stop all communications until they send me proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-20 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: FL

Complaint narrative:
XXXX XXXX has refused to confirm the debt as requested for years. They also have provided me with a balance that is lower than the one being reported

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 2024-07-20 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: FL

Complaint narrative:
XXXX XXXX has refused to confirm the debt as requested for years. They also have provided me with a balance that is lower than the one being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: FL

Complaint narrative:
XXXX XXXX has refused to confirm the debt as requested for years. They also have provided me with a balance that is lower than the one being reported

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I spoke to a Rep at EXPERIAN, XXXX, XXXX and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/year>

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 2024-07-20 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: GA

Complaint narrative:
This is my fourth time writing you to update my person information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses plese delete these outdated addresses and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 go USC 1681 and all its subsections.

Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-20 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: GA

Complaint narrative:
Violated my PRIVACY RIGHTS as a federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 and the right to opt out Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  XXXX said I was behind on payments I made a {$20.00} payment they didnt report it to my credit report then 30 days later I paid the full past due monthly balance of {$100.00} and it haa almost 30 days again and they still have not reported neither payment to XXXX or Transunion XXXX and when I did a dispute and showed proof bank statements where I paid the two payments, XXXX XXXX lied and said they only received {$20.00} from me! They called me everyday over XXXX times a day harassing me for payment and when I finally was able to make it they lie and say I never made it, this is illegal.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I spoke to a Rep at XXXX, XXXX, TRANSUNION and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/2024

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I spoke to a Rep at XXXX, EQUIFAX, XXXX and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX around XXXX - XXXX was stolen ( Some one asked my son to watch social media, then took son 's phone away and ran off. The phone was unlocked, and all son 's login IDs and passwords were stored in XXXX ) XXXX around XXXX - called bank to report the lost debit card and request to freeze the account. 

XXXX around XXXX - claim the XXXX unauthorized XXXX transactions with the bank ( I asked not to complete it because I could see that it was processing. ) XXXX around XXXX - I tried to get the details from bank, The bank claim support representative denied providing the result and asked us to go to the branch to verify my son 's ID-authentication due to lost a phone. 
( since receiving the claim closure notice. The notice letter says that it was not considered fraud. ) XXXX - visited bank. Bank Rep told we dont have anyone available to help us right now, so Ill call you on Friday. Please make a reservation then. We still havent received a return call. 

I want to dispute the claim.

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 2024-07-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit card number was used to purchase tickets through XXXX without my permission. I marked it as fraud as soon as I saw it. Chase sent me a new credit card but declined to remove the charges after review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
CAVALRY PORTFOLIO SERVIC Original creditor states that my medical debt/loan is aged at XX/XX/XXXX when this debt originally was incurred and went into collections in XXXX. My debt from the original creditor has been Re aged, therefore making it appear as a more recent debt than it actually is. Please have this company fix this false information as it is illegal under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Burke Moore Law Group, LLP
State: NY

Complaint narrative:
15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. You are violating my consumer rights and I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
They send me repeated calls or voice messages about being a debt collector and that I should answer their call, I made the mistake and answered, now my debit card is going to bed charged for the debt I owe and I am financially struggling at the moment. I will call them to cancel the payments because I do not know who to trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank Housing Complaint due to Bankruptcy and Foreclosure Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in the amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD . I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX. The division Single Point of Contact is XXXX XXXX, phone no. XXXX ext. XXXX, M-F, XXXXXXXX XXXX - XXXXXXXX XXXX  ET. The division email address is : XXXX. The XXXX XXXX, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
No notice of this debt received. If they say I owe the debt, I require the following for debt validation : copy of purchase agreement, copy of original contract, name of original creditor, payment history, and any other debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the misuse of my personal information and need all the incorrect information removed and the correct information updated on all three consumer agencies. My name is spelled XXXX XXXX XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.

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 2024-07-20 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: AZ

Complaint narrative:
Requested original documents that was not provided and the contact information of the company my information way given too. There was no response or cooperation to get this matter resolved

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I opened a dispute with Experian in early XXXX. In order to complete the dispute, I needed to create an online account. There was no indication on the page that I was signing up for a paid account. However, on XX/XX/year>, Experian charged my credit card {$24.00} for a " monthly membership subscription '' for which I did not sign up. I immediately sent a message through their customer service disputing the charge. I will dispute the charge with my credit card company if and when it posts to my account. I never signed up for a monthly subscription. The only button I clicked on the Experian website was to create my account, and only so that I could receive my free credit report. I am not sure if CFBP has jurisdiction to get my money back but I wanted to report that this company for this conduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This has been an incredibly painful process. I was a victim of a XXXX Ponzi Scheme that took place on the XXXX platform. I had exhausted all of my efforts to try and recapture my money through the legal system and with XXXX but since the company is a Ponzi Scheme and nothing recoverable, the only was to recoup my money is by Citibank holding the merchant accountable. I spend XXXX on an SEC lawyer to compile a professional statement of facts that fully articulates my complaints and would leave no doubt that I was scammed. I have filed over 8 disputes with the bank and Ive asked everytime for the investigator to call me to discuss details as the case is very complicated and would be impossible to piece together without opening dialogue with. The only people that I can speak with are outsourced call centers where the representatives are like robots, they are not qualified to understand the complexities of my case and I have to rely on these representatives to accurately relay messages to the supposed investigator. This is a broken system. Because of XXXX unwillingness to conduct a fair investigation, I will have to file for bankruptcy. This ineptitude has had deviating consequences.

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