vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for a credit card with savor capital one. After I saw that they had some insensitives I told my husband and father about the card and they signed up as well. I received my card and the information on the card and they never sent me any information on a referral program and my dad and husband applied and after they applied capital one emailed me two months later that they want me to refer people to the card, I reached out and spoke to Will he is a XXXX I explained to him that they sent me a referral email but I already refer two people to the card can I get my insensitive of {$150.00} per person I referred two people and I just received the referral code after he said no he won't help me incentive. It's like they make an incentive but then they send them the incentive two months later after the customer most likely already referred people. That is misleading and very unethical. I don't think that this company is right for not honoring my referrals. They could have sent me the promotion with my card like they sent the other promotions but they hid it from me and I was unaware of the referral program until months after opening the card and I already had gotten two to people referred and now they're not honoring what they say they would. It's false advertising they should honor my referrals even though they didn't use a link they can verify by speaking with them I'm going to have everybody close down their accounts we have multiple cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> EQUIFAX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed in 2020 with the amount of XXXX in side this account before closing I have been reaching out to the company about where the funds are they first told me that the funds are sent to my states unclaimed department I called GA and theres nothing there for me. Then this company told me that they send these funds to South Dakota somewhere that I have never lived a day in my life I have never visited I have no family there or anything I called South Dakota looking for these funds and they couldnt find anything thats attached to my name XXXX XXXX they are asking for an account number Ive been reaching out to chime as they stated I can call them if I have any concerns to get the account number I have stated I dont remember the Email thats associated with this account I dont remember my old phone number thats associated with this account or even the address that I used for this account they hang up on me every time I reach out to them and this is very frustrating to me and putting me in a bad state I dont wish to ever do business with them or even recommend to anyone because of the way that Im treated to get my funds back from whoever they sent them to. Im not receiving the right information to receive these funds. If I can get the right information on regards to where these funds are and my account information as such as account number and routing number I have with chime and also the information that I would need to give to the state of South Dakota that I would appreciate that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN, EQUIFAX & XXXX XXXX are reporting inaccurate collections on my credit report. The same account is being reported twice on my credit report and has caused my credit score to decline significantly. 
FTC laws states that this is a violation of consumer rights and the CFPB has recently filed a lawsuit against these credit bureaus for reporting these inaccuracies. 
Below are photos from the three agencies. 
EXPERIAN is uploaded as a single entity and XXXX XXXX contains my EQUIFAX 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 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX my account was put on a restriction I called numerous times they told me they had no information. The review team was investigating the problem. They told me they would have a supervisor call me with information that never happened. Ive called them from the XXXX to the XXXX. They then on the XXXX told me that my account is in foreclosure and give me no information and that the supervisor would call me today. I have money in the account they wont let me have my money and give me no information on whats going on. They wont give me a supervisor name. I spoke with a lady named XXXX in the security team was helpful, but didnt give me any information. The bank is called SoFi  bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In 2014, there was an attempt of someone trying to steal my identity, which I informed the credit bureaus of, and Trans Union placed a lock on my account. And now has my account locked permanently for the rest of my life, is what they told me. That I will have no access to any digital form of my credit report ever again to protect my credit.

I reported the same identity theft to XXXX an XXXX, and they both put a note on my account, but I still have access to both of those accounts. Trans Union has been holding my account hostage for the last decade. Per the reps at Trans Union, the only way I can get my credit report is to call on the phone and request that it be sent to me. I have had this argument multiple times with them over the years and I get the same response every time that they will never give me access to my account again.

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 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
This is a follow-up to my previous complaint against Columbia Debt Recovery XXXX XXXX ). On XX/XX/year>, I called to speak with a representative about my debt validation request. I spoke with an employee named XXXX, who was extremely unprofessional. He repeatedly refused to answer my questions, called me 'dude, ' and said, 'I 'm not going in circles with you ' before hanging up on me. When I called back to request his name for documentation, I was hung up on again by another employee who did not give his own name. 

This behavior is unprofessional and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to communicate fairly and respectfully. Furthermore, Columbia Debt Recovery refuses to provide proof that they sent me any debt validation, yet they continue to report this collection on my credit report. This is an unfair collection practice, and I request further investigation. 

Since this company is already under an active CFPB complaint from me, I request that this information be added to my existing case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
When I checked my credit report this morning, I was shocked to see an unauthorized inquiry that I can not explain. I review my credit report regularly, and this has never happened before. I even refreshed my browser, thinking it might be an error, but it wasnt. I am beyond frustrated and demand immediate action. I need the documents I provided to be examined thoroughly so I can have peace of mind.

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 2025-01-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for a credit card through Barclays. I got approved in XX/XX/XXXX. I was forced to move before I ever received the physical card. When I went in to unlock it, they required a bank account statement with my new physical address, a drivers license with my new address, and my social security card before I could get into the account. It took me months to update all of my information and receive all required documents. On XX/XX/XXXX I had a minimum payment due of {$99.00} dollars. I was still unable to get into the account despite calling and asking to manually pay the bill. Finally on XX/XX/XXXX all of my documents were sent in and I was able to pay the late balance off. My credit score has gone down over XXXX points because I was unable to pay off a {$99.00} dollar debt for a card that I was unable to get into.

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 2025-01-31 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: TN

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. Same collection is being reported twice on my credit report and caused my credit score to drop significantly. 
According to FTC this is a violation and is named in lawsuit CFPB has against 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I created an online dispute XXXX inaccurate account that is being listed on my credit report with this bureau. I requested that the bureau would verify this information and upon seeing that this is indeed inaccurate, I requested that the inaccurate account be removed from my credit report. I provided everything the bureau would need to verify my identity and move forward with my dispute, but the bureau did NOT move forward with this dispute, they did not provide me with a response or with any information to prove the existence of this inaccurate account. This bureau violated my rights under the fair credit reporting act by refusing to cooperate with my request for validation of the information they are listing.

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 2025-01-31 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-31 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:
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$810.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$440.00} Status Account charged off. {$440.00} written off. {$75.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Account charged off. {$390.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1900.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Collection account. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Collection account. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative

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 2025-01-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Yes, I have sign up for a 5 day free trial google XXXXXXXX XXXX but it seems like I was actually being charged for XXXX dollars... I have noticed this on the second day and immediately cancel all subscription and try to get into with google and i was told that i would take up to 48 hours to get an answer from them. and they decided to reject my refund. This is bad on their end advertise the 5 day free trail .... I want the world to see this and beware of how XXXX/google is doing a false advertisement and a scam.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - extortion A person who shall willfully, by making false charges against another person or by any other means whatsoever, extort or attempt to extort any moneys, goods, property or anything else of value, shall be guilty of extortion. A misdemeanor

Company response to consumer: Closed with explanation