vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/XXXX Consumer Finance Protection Bureau Dear Bureau, My name is XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX. XXXX XXXX : XXXX. Email : XXXX. 

Chase XXXX XXXX committed illegal acts against me. 

They did not send me a bill in XX/XX/XXXX or XX/XX/XXXX. I only had about {$90.00} outstanding. When I did not pay, because I had no bill, they reported me to all three credit agencies. This destroyed my credit rating. I called them. They checked and admitted that they were at fault. They reversed all of my late charges. But my credit rating is gone. 
They said they were sorry. But that does not fix my credit rating. 
What they did was criminal. Prosecute them. 
By the way, I have a top-secret Air Force medal directly from the Commander and Chief of the Pacific in XXXX. I changed XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Charges on the Robinhood account are FRAUD. I tried explaining to them my situation, provided police report, documentation, and explanations but they REFUSE to help me. I have tried disputing the charges and they are not willing to help me. Very bad support and service. This a fraud please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I travelled for XXXX week in XXXX for the first time. I've been using shared drive most of the time. Taxis and shared drives are very cheap in XXXX. All my purchases on taxi average less than {$10.00}. My credit card is Capitalone. This XXXX time I took a real taxi the driver took my credit card as the other passenger 's credit card was declined. He charged me close to XXXX times the real price ie {$520.00}. Hence the reason why the other passenger 's credit card declined the transaction. Capitalone did not. I called them the next day to state it was fraudulent. The agent told me as it was a pending transaction they couldn't do any thing at this stage and to call the next day. So I did explaining there is a pattern in the amount I pay taxis and that is XXXX times less than this specific transaction. Capitalone first credited this amount but 10 days later reinstated the amount despite all my claims that {$520.00} for a taxi made no sense as it is 1 month salary for an average worker in XXXX. They wanted either a receipt or that I call the merchant. An almost impossible task as there's no phone number associated to any taxi in addition to over there they don't provide receipt. I now learned that taxis in XXXX are prone to scam passengers. Despite my asking Capitalone not to pay this insane amount the day after for a taxi Capitalone has failed to protect me against a clear scam. 
My wife and I have been loyal customers for 25 years, we have a XXXX XXXX XXXX and this financial institution has refused to prevent a clear fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: OR

Complaint narrative:
On XX/XX/year>, I used XXXX  to pay for a car repair at " XXXX XXXX XXXX '' in XXXX, Oregon. The loan amount was {$2000.00}, and I was told that if I didn't pay it off within 90 days, the total amount due would increase to {$4800.00}. I believe this is a predatory lending practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have filed bankruptcy and included the home in the bankruptcy. But before then I also tried to sell the home several times. Had the home sold but Midland Mortgage refused to take the offer. Now I have filed the bankruptcy and the attorneys are sending docs to the home they know I do not live at. This home was included in the bankruptcy. Why is Midland Mortgage contacting me and saying they trying to sue me for a home I filed bankruptcy on? 
I am also filing a federal complaint against Midland Mortgage and the bar also for the attorney.

I had said several times I do not want the home and Midland Mortgage can have the home. I will be contacting HUD and also the news stations I know it's several other people that is having this problem with Midland Mortgage. 
I have filed Bankruptcy

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 2024-11-15 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: NJ

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I received two hard copy letters from XXXX XXXX XXXX XXXXXXXX telling me that I have closed two accounts. It was a red flag because I never had any accounts there. After calling them they took information and asked me to file a police report and wait for the outcome of how someone opened accounts using my identity. They then instructed me to check for unusual activities on any of my bank accounts and that's when I found out that on XX/XX/XXXX, XXXX electronic transactions adding up to {$29000.00} were made on my online Discover Bank account, and they were all transfers made to XXXX XXXX all on the same day without any alerts or email confirmation received by me. I had opened that account in XXXX of XXXX and never made any withdraws, they allowed XXXX withdraws without questioning it, not a phone call, email or text was ever sent and I would had never known if it wasn't for the two letter received by XXXX XXXX XXXX. I am still waiting on the outcome and meanwhile I am left without the money I needed to pay for my son 's college tuition due now. XXXX XXXX allowed someone to open accounts under my name and Discover Bank never stoped 9 very large withdraws nor alerted me. two large bank with very poor security in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the following fraudulent accounts be immediately blocked and removed from my credit report : Accounts to Be Blocked and Deleted 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX 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 2024-11-15 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: CA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS 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 {$7400.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MI

Complaint narrative:
My background check information is incorrect. I've been cleared by the courts. I've paid my dues and free and clear of criminal records. This is causing me to not have a job. Please correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: MO

Complaint narrative:
At XXXXXXXX XXXX on XX/XX/2024 US Bank called e to say that XXXX XXXX XXXXXXXX was opened when I denied an authorization. 
The person trying to open this account is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was trying to open an account using my social security number. 
US Bank cancelled the authorization : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to call me. I have no accounts there. I was not able to answer the call.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc.
State: PA

Complaint narrative:
there was 2 unauthorized use on my account back on XX/XX/year> by XXXX for {$13.00} and {$57.00} and again on XX/XX/year> for {$36.00} showing in Washington DC at around the same time I used my physical card at an atm in XXXX Pa and again at a XXXX in XXXX XXXX there wew other charges to XXXX and XXXX and i had contacted those companies and they had found that my card was used on accounts that were not associated with me and returned the funds as they found this to be the cause of a card skimmer. i had tried to contact XXXX  for this matter and was told it could take up to 6 weeks for a return call. i contacted Propel for assistance before the time to do so had past and they quickly ended the investigation saying no errors occured because The information provided by the merchant matches information that we have on file. i asked what information and who they spoke to so quickly. When I first contacted XXXX to inquire about the charges they had told me they were unable to locate an account in my name and when i told them i dont have one i never did they and gave them some information on my card they told me they do see the card used on a account in a different name but thats all the could tell me. I do not feel Propel did any investigation into this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 am writing to formally dispute and request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts/inquiries listed below were opened or made without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of the following fraudulent accounts and 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

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Westlake Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I received an email from Westlake Financial with a credit card offer that stated : " Youre Pre-Approved for the Westlake Black Visa Credit Card. '' The email explicitly outlined a pre-approved credit limit of {$8000.00}. It also included the following disclaimer : " Westlake Black Visa Credit Card is issued by XXXXXXXX XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX. This Pre-Approved offer is made by XXXXXXXX XXXX XXXX. and provided by Wilshire Commercial Capital , LLC to customers of XXXX XXXX who meet certain pre-established credit eligibility criteria determined by XXXX XXXX. Wilshire Commercial Capital is not a bank. This offer expires on XXXX. '' Based on this offer, I reconsidered my credit card options and chose to accept this pre-approval. Following my acceptance, I received an email stating : " Congratulations, your Westlake Black Visa Credit Card has been issued. Please keep an eye out as you should receive it in the mail shortly. '' Additionally, my Westlake Financial account reflected the {$8000.00} credit limit as of XX/XX/year>. 

It took 12 days for me to receive the physical card, which I activated on XX/XX/year>. I did not use or activate the online card before receiving the physical versioneven though I received multiple emails stating to activate my card during this waiting period. However, on XX/XX/XXXX, 202415 days after the account was opened and just 3 days after receiving the physical card and activationI received an email indicating that a system error had occurred. This email stated : " A system error caused an erroneous credit limit to be communicated in an offer email and during the preapproval acceptance process to a group of potential cardholders. The credit limit shown to you in your offer email and during the preapproval acceptance process did not accurately reflect the credit limit issued to you. '' The email further informed me that my actual credit limit is only {$1000.00}, a drastic and unacceptable reduction from the {$8000.00} promised in the original offer.

This constitutes blatant false advertising, bait-and-switch tactics, and a breach of trust. I would never have accepted a Westlake card had I known the credit limit would be just {$1000.00}. This is not a minor discrepancy of {$100.00} or $ XXXX is a {$7000.00} difference, which is egregious and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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