vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned. 
I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened.. 
XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item. 
If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees. 

This was the first and last time I shop at XXXX XXXX on line. 
Customer service is poor and no help. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a open complaint currently in regards to Truist mishandling my funds. And altering hold dates without notice and then charging me NSF fees. I have since deposited XXXX which shows it is available and in the account. Truist will not allow me to transfer funds. This has been going on for weeks, they have attempted to keep me negative and withholding funds. I am astounded at how this bank operates. There is no way to contact them the wait time is hours and then when you may get to a call center they have hung up EVERY time. The online complaints on XXXX are many people experiencing the same problems I am having. I should have access to my funds!!!!

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 2022-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good day, on XX/XX/2021 I attempted to open a business saving account at a XXXX. branch of Chase Bank. During the initial contact all the requested information provided to the Chase bank associate. A check in the amount of {$5000.00} from my federal credit union placed in the Chase bank system. I obtained via U.S. mail an ATM card at my office address. I went to an XXXX branch near my business office to review my account. I was told my account was closed. Assigned customer service at an another XXXX branch and followed up as to why my account was closed. I had a discussions with the Chase associate and online review with Chase Bank Compliance department. XXXX. 
Stated they needed more LLC documentation. The requested items were fax XX/XX/XXXX. Informed the account was okay. A few days later informed the account was closed. I have attempted to get my debited funds returned to date. I need an answer why the account was closed and why my funds are not being returned. Requesting this information in writing. I am a XXXX owned veteran business which has me thinking this is a civil rights violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im not able to login on Experian website like I use to ; as if, Ive been blocked off it. 
For complaint number : 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 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: CO

Complaint narrative:
I had a relationship consisting of a checking account, personal line of credit, and a credit card with Key Bank. All of a sudden all XXXX accounts were closed within the last 10 days and the only explanation I got was that the bank has a right to make that type of closure. They told me that that I am excessive risk and I feel it is merely a ploy of an excuse. My credit card is paid off every single month and I usually keep my reserve line of credit at a {$0.00} balance unless I need it for an emergency, etc. My checking account has very little cash deposits and I do not overdraw my account to incur fees. My credit score is pristine ( XXXX range usually - changes monthly ). 

My personal line of credit just renewed in XXXX and I had to pay an annual fee of {$50.00} to cover the annual dues for period XX/XX/XXXX through XX/XX/XXXX. After receiving this account closure notice I requested a refund of the {$50.00} fee paid ( I even offered to accept a pro-rated refund of the unused portion ) and the telephone banker told me that they were unwilling to provide such a refund. 

This is unfair and abusive to close my account down in such a manner as I have been a very responsible individual and maintained a positive relationship with my accounts. I feel that as a consumer I am entitled to a detailed reason for account closure and why I am treated unfairly. I am asking for a detailed reason not some general excuse. This is quite irritating and has me very upset as I must now spend time and resources to go and establish a new account somewhere else. The reason I'm upset is that this is now going to hurt my credit file since the creditor closed the account rather than myself taking the initiative to do so. Other potential new creditors will see this reporting and it may impact my ability to secure a new relationship with another financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, 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 a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into 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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Augusta Collection Agency, Inc.
State: VA

Complaint narrative:
made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: UT

Complaint narrative:
I dont remember opening this card and after contacting the company they are refusing to close it! Im not sure if this company is even legit or is a fraud. Please help this 100 % XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In 2021, I have updated my phone number and placed a ID alert on my social security number. When I inquired about my credit report the phone number is wrong and therefore I am not notified when there is an new account opened in my name. I have alerted all of the credit bureaus however the information remains unchanged. I have been denied various services because of this including housing and employment because of this mix-up. I have been following in my local community from people that think I am committing fraud. Please help me resolve this issues with the credit bureaus.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: NH

Complaint narrative:
In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week Honda actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called Honda Financial, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week XXXX actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called XXXX XXXX, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.

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 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Attached is letters from a supposedly law firm trying to collect money. I viewed my credit reports and found no such debts. 
Account # XXXX Client : XXXX, XXXX, XXXX & XXXX XXXX LLC Claim # XXXX Amount : XXXX, XXXX offer of XXXX. 
I called and asked who the company was and they only gave me " HSBC bank ''. 
They also gave me a date of 2018 and the name XXXX XXXX XXXX. 
I have never heard of this company and the date doesn't coincide with any action or purchases I have ever made. Again, I searched my credit reports and there are no coincidences. 
They're phone number is XXXX ( XXXX ) XXXX Website : XXXX This is the only correspondence I have received to date. 
Thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MA

Complaint narrative:
Hello I accidentally XXXX  XXXX {$90.00} on XXXX. 
I contacted him a few days later and he admitted he didnt know me and the transfer was an error. 
Subsequently he refuses to return the money. 
I reached out to my bank and they said to contact your organization. 

I was off by one digit when sending the money by phone number but the transfer is instant so there was no buffer period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, 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 identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into 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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, 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 a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.

Company response to consumer: Closed with explanation