vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have disputed a {$470.00} charge from XXXX XXXX multiple times with American Express since the beginning of XX/XX/year>. I have a Platinum card, and I am supposed to receive purchase protection from American Express in exchange for an annual fee of {$690.00}. American Express seems to be intentionally avoiding their responsibility for purchase protection that is guaranteed as part of my card. 

I ordered an office chair from XXXX XXXX in XXXX. When the company could not fulfill the order by XXXX, XXXX XXXX agreed to issue a refund to me, which they never did, despite my multiple follow-up attempts with them. When it became clear that XXXX XXXX was not going to refund me, I disputed the original charge with American Express. 

Despite having multiple emails from XXXX XXXX admitting they were in the wrong and promising me a refund ( all of which I submitted to American Express ), XXXX XXXX sent fraudulent documentation to American Express claiming that the office chair was delivered to my home in XXXX, TN on XXXX XXXX XXXX XXXXXXXX XXXX provided a tracking number of XXXX in the documentation. 

If you actually go to XXXX  and enter that tracking number, however, you will see that package was NOT delivered to my home in XXXX, but was recalled and delivered to XXXX XXXX facility in XXXX, OH. I have never received the chair. I have told American Express that XXXX 's documentation is fraudulent multiple times and sent screenshots of the real tracking information from XXXX. It is easily verifiable via XXXX that XXXXXXXX XXXX documentation is fraudulent, and American Express continues to ignore this information and close my dispute. American Express is not providing the purchase protection it promised me as part of my American Express Platinum card fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has frozen my savings accounts with a balance of {$340.00} due to undisclosed suspicious activity, regarding some XXXX transactions. While they conduct the investigation my money is inaccessible, they refuse to state why and only claim there is unusual activity, despite the savings account not being involved, they have locked access to those funds and their manager XXXX states they may hold it in perpetuity while they conduct their investigation, no timeline is provided, except this email from them. No reasoning or violation of terms or services has been provided, and their manager XXXX explicitly states that no such terms exists regarding limits on XXXX transactions and Capital One may end the relationship at any time. 

This is the email I received. 

" XXXX, XXXX completed an initial review of one or more of your accounts. Based on our current information, weve determined that the unusual activity we found is inconsistent with our expectations for account usage. 


Well begin a final review of this decision, and depending on the outcome of this review, your account ( s ) may be closed.

If your account is closed, any remaining balance owed to youplus all interest earnedwill be transferred to your externally linked checking account or a check will be mailed to your address on file. 


If you have any questions, give us a call at XXXX. Were available Monday through Friday from XXXX XXXX. to XXXXXXXX XXXX  XXXX and on Saturday from XXXX XXXX. to XXXX XXXX. XXXX. 


Well send you confirmation of the results of our investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Account name : JEFFERSON CAPITAL SYST ( Original XXXX  ) Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in reporting, such as incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA 605B, in my understanding, necessitates the deletion of any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
ALLIED COLLECTIONS SERVICES XXXX XXXX XXXX XXXX XXXXXXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was approved for the chase credit card with a balance transfer offer. I received the card. My balances have transferred over. 2 months later, I received an email that my account is going to be closed with no explanation And that I would receive a letter shortly. I contacted chase and spoke with a representative. They were unable to provide me with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/year> my account went from {$7500.00} to XXXX XXXX i woke up on XX/XX/year> for work and went about my day and when i realized their was no money in my account i instantly called my bank in a panic, i have been waiting for a new debit card for over a month, the first one never came and the second one im still waiting on, they informed me today XX/XX/year> when i made this claim that my digital wallet has been compromised soo i have to wait for a whole investigation with no money??? please help me resolve this problem, the operator from wells fargo stated that these transactions came from purchase XXXX  which i have never used or reconize

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was denied my credit 2X by Comenity Bank on XX/XX/XXXX and XX/XX/XXXX. Pursuant to 15USC 1697, it is illegal to be denied my own credit. 

Comenity Bank never sent my denied credit application back to me and they have and continue to accept securities on both account applications that they denied me, which is securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My Name Is XXXX XXXX I open account with HUNTINGTON BANK and everything was okay. Until I filed a DISPUTE WITH THIS Company on XX/XX/2024 I reported UNAUTHORIZED TRANSACTIONS the next two days XX/XX/2024 MY ACCOUNT IS HEADING FOR CLOSER!! I called multiple times I ask why would my account close this BANK Have Give No reason but Fraud this Bank has Racially Profiled Me To Be Accused Of Fraud. I Have Been nothing but true to this BANK. I attend school and receive deposits. Im saving money for my babies FUTURE and this is what this bank has done to made me feel little. Every XXXX XXXX  ARE NOT COMMITTING FRAUD!! HUNTINGTON BANK not been compassionate at all. I cant get answer to why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Amount apparently owed : around {$900.00}, and another loan taken out without my permission nor knowledge, XX/XX/year> Constant harassment calls ( 2x daily, earlier and later than legal times ), robocalling, very rude communication, being cursed at by a representative, yelling, threats of jail, threats of doing anything they can to ruin my credit, calling and not identifying themselves or giving any information about themselves in order to attain my information, telling me if I don't pay them today they'll sue, etc. Incredibly unprofessional and stressful, not to mention illegal. I've been dealing with this nearly a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/year> Date resolved XX/XX/year> Responsibility Individual Reference number XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX Washington , DC XXXX Dear Sir/Madam, I am writing to file a report regarding inaccuracies on my credit report. According to my credit report, there is a bankruptcy filing listed that is inaccurate and should not be there. 

Description of Inaccuracy : The bankruptcy listed on my credit report is inaccurate because the United States Bankruptcy Court did not report it to the credit bureaus. I have confirmed with the court that they did not report this bankruptcy filing to the credit bureaus. 

Documentation : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include correspondence with the United States Bankruptcy Court confirming that they did not report the bankruptcy filing to the credit bureaus. 

Request for Action : I kindly request that the FTC investigate this matter and take appropriate action to remove the inaccurate bankruptcy information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if the United States Bankruptcy Court did not report the bankruptcy filing, it should not be listed on my credit report. 

Contact Information : Please feel free to contact me at the phone number or email address provided above if you need any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2024-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
there are two accounts on my TransUnion and XXXX. They are as follows 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not my accounts and ar e in my way to secure mortgage and must be deleted.

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 2024-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
there are two accounts on my XXXX and Equifax. They are as follows 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts and ar e in my way to secure mortgage and must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
The accounts in question are 12 federal student loan accounts appearing on my Experian credit report with a servicer who no longer services these loans. The loans transferred from XXXX to XXXX in XXXX of XXXX, and since that time 7 of those loans have been closed, with 5 loans still active with XXXX. I have filed 4 separate disputes with Experian and spoken to several customer service representatives, all who verbally acknowledge the presence of the error and how the error can be remedied. I have followed all instructions and provided several rounds of documentation showing these loans as closed. I have also involved representatives from XXXX who indicate they are reporting the loans accurately and who have indicated that this is a known issue with Experian. 

Credit reports from XXXX XXXX and XXXX show the loans as transferred, so the issue is unique to Experian.

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 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NorAm Capital Holdings, Inc.
State: TX

Complaint narrative:
I received a voicemail on XX/XX/2024 stating that I needed to give a return call as I am a defendant on a complaint docket. Today ( XX/XX/XXXX ) I called the number provided and someone who stated they were from XXXX XXXX. I asked the gentleman over the phone to confirm what company held the debt. He first stated XXXX  XXXX, then changed it to XXXX XXXX. He stated the matter was in regard to a suit being filed against me. I called XXXX XXXX and was told this debt was being held by XXXX XXXX XXXX XXXX. The gentleman I spoke with at XXXX XXXX  stated the company who reached out goes by both XXXX XXXX  and XXXXXXXX XXXX XXXX I then called XXXX XXXX XXXX XXXX. The person who answered stated it was XXXX XXXX XXXX XXXXXXXX XXXX. I asked to confirm which business I was calling and she advised they are both XXXX XXXX and XXXX XXXX XXXX XXXX. She then advised another company, XXXX XXXX sold the debt to her company, who then sold it to XXXX XXXX XXXX. The original creditor is Emoney USA and when I called them today I was told the debt was sold to XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file with the account listed as XXXX Account # XXXX. This account has not been properly validated or verified as belonging to me BEFORE it was placed on my consumer file. There is also no creditor information listed about this allege debt where I can follow up and verify this information myself. How were the consumer agencies able to verify this debt? What documentation was used or who did they speak with that stated this was my debt. There are several inconsistencies within the account which means this account has not been properly validated. 


Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- -- Account Rating : Derogatory Open Derogatory Creditor Type : Miscellaneous Government Federal State Payment Status : XXXX Current Late 120 Days Creditor Remarks : Collection Account Placed for collection Current account/was a collection account, insurance claim or government claim or terminated for default. 

Child/family support Collection account Payment Amount : {$0.00} {$280.00} {$280.00} Last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- 1 -- Past Due Amount : {$280.00} {$0.00} {$280.00} Account Type : Child Support Family Support Child Support ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation