vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
CAPITAL ONE Acct Number : XXXX I am writing to formally dispute the accuracy of the payment history reported for the account referenced above. After reviewing my credit report, I noticed that the payment history for this account contains inaccuracies that do not reflect my actual payment behavior. 

Specifically, the reported late payments or other derogatory marks are incorrect. I have made payments on time and in accordance with the account 's terms. The errors in reporting have negatively impacted my XXXX XXXX and overall creditworthiness. 

I respectfully request that you investigate this matter and remove the inaccurate payment history from my credit report. Please correct the information to accurately reflect my payment history or remove the account entirely if the errors can not be rectified. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the actions taken to correct my credit report. If you need any further information from me, please feel free to contact me at your earliest convenience. 

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
Im begging you please remove this to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: IL

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 2024-08-19 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:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I called Amsher Collection Services after I notice the collection on all three of the credit bureaus on XX/XX/XXXX. the person i talked to hung up on me, I called back and was referred to contact Attorney XXXX XXXX. I asked them what was the collection for? they told me it was to collect a debt. for XXXX XXXX I told them that I did not owe for the debt and I cancelled services on XX/XX/XXXX with a XXXX balance and that I was with XXXX for over twenty years when they merge with XXXX XXXX and my account was direct debt. from my bank account monthly and I always paid on time and I did not purchase a new phone while with XXXX XXXX and that XXXX XXXX was fraudulently charging me for {$750.00}. I asked representative for XXXX XXXX to please remove these fraudulent charges from my credit report. they hung up on me and when I called back on XX/XX/XXXX XXXX to ask what the charges was for they said they no longer have the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Ten days after returning from a vacation rental in XXXX, XXXX, published as a " calm house, ideal for families '' XXXX XXXX XXXX XXXX ) I received an email from XXXX stating that I would be charged in 3-4 days XXXXXXXX XXXX for breaking the stove hood and scratching the TV. In the message, the host says we spoke via telephone of both breakages that same day. Of course, that was a lie as were the breakages. My family did not use either. We don't even own a TV in the US. He was looking for a free XXXX Euros out of a family of Americans that had already landed back in America, far from XXXX. This was a trip to celebrate the end of my XXXX treatment. It was such a farce and the dishonesty of it all left a nasty feeling throughout my body. 

I immediately called XXXX and saw that they entry level representatives would not be of much help. They spoke in circles. I called Chase right after and canceled my card pleading to take off this charge as it was fraud, I had not authorized anything and the host was committing a crime. He had submitted receipts to XXXX from 4 and 2 years ago respectively and when I asked XXXX about this, they didn't seem to care. The photo of the " TV scratch '' was a close up and could have been from any TV, their own personal one, even. It was not dated. The stove hood video had no date either. The host was indeed mischievous and when I tried to submit an honest XXXX review I see that it will not be published. I see there are only two 5 star reviews from last year leaving me to believe that it is all a scam. 

I have called nearly every day - both XXXX and Chase- for an update and there is none. XXXX keeps saying they are reaching out to the host for an explanation of the old receipts and undated photos. When will it end? The investigation has gone no where and I am frustrated and am not going to pay an exorbitant amount of money to someone who I did not authorize this payment to. I have spent hours trying to resolve this issue over the course of weeks. 

I ask that you help me in this matter and correct this wrongful action. I see that Neither XXXX  nor Chase take their customers seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, I dined at XXXXXXXX XXXX XXXX  in XXXX XXXX, NV and paid with a Chase United-branded credit card ending in XXXX. 

After tax and tip, which I had to compute myself and write on the bill before signing, my bill was approximately {$480.00}. I did not get a customer copy of the receipt. However, a wildly different amount could not have escaped my notice at this time. 

Several weeks later, when I received my credit card statement, the actual amount billed was approximately double this : {$950.00}. 

After numerous attempts to reach the restaurant failed, I attempted to dispute this with Chase, who informed me that if I do not have my copy of the receipt, there is nothing they can do. Specifically, they have repeatedly stated that they will not even ask the restaurant for their ( merchant ) copy of the receipt. Moreover, they refused my request to escalate the dispute to arbitration. 

Chargeback policies aside, at this point Chase is insisting that I owe them {$950.00}, which I am confident that I do not. If I am not mistaken, the law requires anyone attempting to collect a debt to provide proof that such debt is owed, which they are refusing to do. So at this point it seems to me that Chase is attempting to illegally collect on this ( invalid ) debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. Grateful to you right off the bat for your comprehension and help.

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
With my XX/XX/2024 Barclaycard statement they included changes to my interest rates to be effective XX/XX/2024 based on my credit score from XX/XX/2024 instead of my current credit score for XX/XX/2024 since they deliberately found when my score was lowest in order to increase to the highest margin interest. Since they made the decision on XX/XX/2024 they need to use my score from XX/XX/2024 and not retroactively seek out my lowest score. 

I initially tried to use the contact web page which actually doesn't actually allow messages to be sent to them so I then posted on their XXXX page in which I was able to use XXXX messaging in which I just got the run around. 

They know they can't use a past credit score to make a current credit decision!

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 2024-08-19 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my 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 non-monetary relief
Consumer complaint received 2024-08-19 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: KY

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXXXXXX number account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
It is believed to be insider Fraudulent activity and violation of the Federal Credit Union Act. 
I request you please conduct a complete investigation to determine the following specifics : XXXX ) exactly who made a cash withdrawal from my Navy Federal Credit Union Checking Account Ending in XXXX ; XXXX ) which Navy Federal Credit Union did the withdrawal occur ; XXXX ) exactly how Navy Federal Credit Union allowed what is believed to be a fraudulent withdrawal occur. 

I XXXX XXXX swear or affirm I did not withdraw {$4300.00} in cash from my Navy Federal Credit Union Checking Account ending in XXXX on XXXX. 

I have a banking Statement as supporting evidence to show a cash withdrawal of {$4300.00} occurred on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-19 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: NY

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 non-monetary relief