vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
Case number : XXXX To whom it may concern, I am writing to file an official complaint against XXXX XXXX concerning unresolved fraudulent charges on my compromised credit card account. Despite my prompt reporting and their issuance of a new card, XXXX XXXX has failed to finalize the refund of the fraudulent charges ( in the amount of {$650.00} ) in accordance with the law. 
I just got notified of this a few minutes ago when their representative called me, asked me questions about the case which I previously clarified, and made me aware that the investigation is still pending ( After almost XXXX months ). 
XXXX XXXX violates the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. XXXX, XXXX C.F.R. XXXX. See also XXXX C.F.R. XXXX ( b ). 
This delay has caused significant inconvenience and concern. I seek your assistance in resolving this matter and ensuring XXXX XXXX complies with its legal obligations. 

Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
When I log into into the Equifax website, it shows that my credit report is unavailable. 
I have called them multiple times to have them update/resolve the issue. 

Multiple tickets have been put in. Nothing has been done. 

The Equifax representative told me it was a issue on their side and she would have it resolved. 

It has been MONTHS. 
My credit report is completely blank according to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help in resolving the incorrect account listed on my credit report. This has damaged my reputation, and I rely on your help to fix it. Your poor handling of my credit report has deeply affected me, causing damage to my reputation. These false details need to be taken off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Mortgage Loan # : XXXX SPS - Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Customer Service : XXXX Dear CFPB XXXX, I have paid in full my mortgage loan on XX/XX/year>, and I have received the XXXX XXXXXXXX XXXX XXXX  Lien Release letter , but up to today I have called SPS multiple times nearly daily for my ESCROW refund check which should be {$5700.00} but everyone in SPS has been telling me " It's under review and there is no estimated time of release of this check. '' Please help me to contact this loan servicing company to issue my XXXX refund. 

Below is my contact information : Name : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: AZ

Complaint narrative:
Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX of XXXX I made a purchase that was to be XXXX interest for XXXX months. XXXX I received a notice that I was being charged interest and they will stop charging me interest now. No interest was refunded back to me and when I spoke to someone they said I will be refunded and credited in XXXX. this is a problem for me I have made large payments to get balance gone and I knew something wasn't right. For them to not even attempt to refund me shows fraudulence. I know how banking works. They use our money to continue to make money. So basically you had me paying you well over for a year and than want to continue to use my money until XXXX. It do not take that long to do a refund and a credit for buy inconvenience, I have never paid late and this is beyond just returning my money to me. This is fraud activity and this bank is not to be trusted

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 monetary relief
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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

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 2024-09-23 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i dont know why its so hard for the bureaus to understand that this account was opened without my knowledege. My ex wife opened this account without me knowing

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 2024-09-23 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: GA

Complaint narrative:
Accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604. Section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 15 US Code 1681a-Definitions ; rules of construction-exclusions-except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures.15 US Code 1681a-z states it is illegal to report transaction history.

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 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is a continuation of my previous [ first ] complaint against Capital One Bank [ case # XXXX dated XX/XX/XXXX. Capital Ones [ CO ] response dated XX/XX/XXXX said nothing at all, and therefore was totally unresponsive to the new issue raised in my complaint. Capital One simply responded that it had previously advised [ me ]... that XXXX XXXX communicated... that there were no funds available to return. That is true. However, CO completely ignored the substance of my allegations against Capital One itself, which are summarized below : The facts are clear that on Saturday, XX/XX/XXXX I contacted Capital Ones Customer Support office by telephone, and I told a representative to advise that I suspected fraud in connection with my authorization the previous day XXXX XXXX to wire {$24000.00} to an account at XXXX XXXX. The representative told me that You need to call back on the next business day [ that is, Monday, XXXX days later ] because there is no one at Capital One on a Saturday who can take action with regard to a wire transfer. 

On Monday, XXXX XXXX at approximately XXXX a.m. XXXX I again telephoned Capital One and reported the fraud to someone at their Account XXXX dept. Apparently action was taken and I was later advised that COs fraud recall request [ also referred to as a Hold Request or LOI ] was sent to XXXX XXXX at XXXX XXXX XXXX XXXX on that same day. 

Other evidence shows that on XX/XX/XXXX the fraudsters XXXX XXXX account received a wire of {$47000.00} from XXXX Bank [ from Victim # XXXX ] and also my wire of {$24000.00} from Capital One ; and that XXXX Bank [ on behalf of Victim # XXXX ] also sent a wire recall request to XXXX XXXX on XXXX XXXX. On XXXX XXXX XXXX closed the fraudsters account, and returned the full amount of that {$47000.00} wire to XXXX ; and XXXX returned nothing to CO in connection with my wire, because no funds remained in the [ fraudsters ] account. 

It seems clear that if Capital One had taken action immediately on XXXX XXXX when I first contacted it to report the fraud, and had sent its Hold Request to Wells on that day, there would have been a very different outcome : COs return request [ LOI ] for my wired funds would have been received substantially before a similar request was received from XXXX on XX/XX/XXXX. Then pursuant to WFs so-called first- come, first-served procedure, there clearly would have been sufficient funds in its customers account for XXXX to return the full amount of {$24000.00} to Capital One for my benefit. 

Capital One did not in any way address or explain or justify its actions summarized above. Therefore Capital One completely failed to respond to my complaint in a responsible manner, and it must now be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: DISCOVER BANK
State: MD

Complaint narrative:
I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: GA

Complaint narrative:
please see documents and have the accounts deleted from my credit report in the next XXXX days. 

please delete from XXXX and XXXX immediately. 

transunion delete the following - upgrade- xxxx XXXX XXXX the following -XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reported regarding the XXXX account ( account number XXXX ) on my credit report. After communicating with XXXX XXXX Executive Office, I have been provided details that contradict what is currently reported by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s2, furnishers of credit information are required to report accurate and consistent information to credit bureaus. 

Here are the specific discrepancies between what XXXXXXXX XXXX alleges and what is reflected in my credit report : Date Opened : XXXXXXXX XXXX alleges the account was opened on XX/XX/XXXX, but there are discrepancies in the credit report where it shows different dates across bureaus. 
Date Reported : TransUnion lists the " Date Reported '' as XX/XX/XXXX, while XXXX shows XX/XX/XXXX, and XXXX reflects XX/XX/XXXX. These inconsistencies must be corrected for uniformity. 

Date of Last Activity : XXXX XXXX alleges that the last purchase on this account was on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. However, the credit bureaus are reporting varying dates of last activity, which leads to confusion and potential negative impact on my creditworthiness. 

Charge-Off Date : XXXXXXXX XXXX alleges that the charge-off occurred on XX/XX/XXXX, but this information differs across credit bureaus, leading to inaccurate reporting of the account status. 
Last Payment Date : According to XXXX XXXX, the last payment on this account was made on XX/XX/XXXX, but my credit report lists differing last payment dates. 

These discrepancies are causing harm to my credit scoXXXX and standing. As outlined under 15 U.S. Code 1681s2, furnishers are required to provide accurate and complete information. I am requesting that you investigate these inaccuracies, update the account information across all three bureaus, and ensure that the data is consistent with the details alleged by 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 non-monetary relief
Consumer complaint received 2024-09-23 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reported regarding the XXXX account ( account number XXXX ) on my credit report. After communicating with XXXX XXXX Executive Office, I have been provided details that contradict what is currently reported by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s2, furnishers of credit information are required to report accurate and consistent information to credit bureaus.

Here are the specific discrepancies between what XXXXXXXX XXXX  alleges and what is reflected in my credit report : Date Opened : XXXXXXXX XXXX alleges the account was opened on XX/XX/XXXX, but there are discrepancies in the credit report where it shows different dates across bureaus. 
Date Reported : XXXX lists the " Date Reported '' as XX/XX/XXXX, while XXXX shows XX/XX/XXXX, and Equifax reflects XX/XX/XXXX. These inconsistencies must be corrected for uniformity. 

Date of Last Activity : XXXX XXXX alleges that the last purchase on this account was on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. However, the credit bureaus are reporting varying dates of last activity, which leads to confusion and potential negative impact on my creditworthiness. 

Charge-Off Date : XXXXXXXX XXXX  alleges that the charge-off occurred on XX/XX/XXXX, but this information differs across credit bureaus, leading to inaccurate reporting of the account status. 
Last Payment Date : According to XXXX XXXX, the last payment on this account was made on XX/XX/XXXX, but my credit report lists differing last payment dates. 

These discrepancies are causing harm to my credit score and standing. As outlined under 15 U.S. Code 1681s2, furnishers are required to provide accurate and complete information. I am requesting that you investigate these inaccuracies, update the account information across all three bureaus, and ensure that the data is consistent with the details alleged by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
Transunion will not allow me to login to my credit file. I have tried to reset my login information and its website will not function to let me do this. I previously filed a complaint with the CFPB and Transunion emailed me a temporary password to use to correct the login error. The password they sent me was an invalid one and would not allow me to reset my password. I can not access my credit file at Transunion as a result. I have had no issues with either XXXX or 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