vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Paid {$600.00} to One Main Financial on XX/XX/year>. The payment cleared my checking account XX/XX/year>. I checked the credit card and no available credit. 
Upon calling the company I was told all payments had been paid on time. But he had to check something else. He checked and told me the funds will be held until XX/XX/XXXX. Because a check was returned in XXXX. So I asked why wait until now and no answer. 
I even explained this was going to require me to cancel my travel for the holiday. 

I requested the funds be applied and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Global Processing Services, LLC
State: CA

Complaint narrative:
A representative contacted me saying I owe this debt from a payday loan but it doesn't show up on my credit reports I tried to contact them the number they called me from is NOT IN SERVICE and they don't have a physical address just po box I asked them to send me a letter saying what I owe they said that their protocol is I can only receive a letter saying what I owe after I paid them the balance stated on the document I uploaded!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
date : XX/XX/year> XXXX amount : {$7200.00} I deposited money ( {$7200.00} ) into my Chase account using an ATM but the ATM just ate my money and showed a white screen saying that there was a problem with the transaction. It never gave my money back and only gave me a receipt ( attached in the documents sections ) saying that " To be sure your deposit went through, please call us at XXXX. '' I went straight into the branch and addressed this issue and the person I spoke to just said I should call the number on the receipt because they can not deal with this issue. I came back home and called the number right away and filed a claim providing the details on the receipt and the Chase representative told me that they will investigate this and get back to me within 10 days. I received a letter yesterday that they have done research and on the letter it said : '' We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' but also that " No adjustment will be made to your account at this time. '' which seemed to be giving two opposite information. They say the transaction was processed/authorized but I was seeing no money added onto my account. So I called the customer service again today and they were saying that the claim actually got declined and the only thing they could do is to do another investigation. I was told that even if in the second review if they can't locate the fund then there's nothing they can do because only the back office and technician is in charge of this investigation and Chase themselves can take no other action on their discretion. This was problematic in two aspects. First, the amount that I deposited is not a small amount but how can they not locate this money. If they have done the investigation correctly, the difference they are seeing in the ATM should be apparent because it's such a large amount. Secondly, Chase representative was not able to resolve this issue making an excuse that this is dependent on the investigation result they get from the back office and technician and if the money is not found from there they there's nothing they can override. I am really bothered by this because the way they operate in how to locate such fund can not be an excuse to not being able to make any reimbursement when such incident has happened using Chase ATM. Even if the back office and technician can't locate the money ( which I really don't understand why they can't ) Chase should have my back protected and reimburse the money that I deposited. The money that I deposited is a really big amount for me and I meant to transfer it to a brokerage account for investment and thus I am eager to get my money back by raising this issue through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I reviewed my XXXX account and noticed the debt as a collection on my report under the name Vance and Huffman LLC as well as their name as the original creditor. I have never contacted that company nor have I ever done business or signed any documents with this company. I contacted the company 3 times where they keep saying the debt is mine but when I ask for validation they have refused to reply when I have already submitted it more than 30 days ago. 

XXXX XXXX has taken their word for it and have not asked for more validation. And that is hurting my credit score and causing me severe hardship. 

My identity was stolen in XXXX  and I submitted those documents to several of the credit agencies to remove anything that is not accurate. However this company refuses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax and XXXX credit scores and information reported is inaccurate. 
Equifax and XXXX do not match information reported by XXXX. 
XXXX is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I have an item from XXXX XXXX XXXX for a second auto loan in the amount of {$20000.00} that is not mine. When I call or write to verify they never send me anything. I had XXXX auto loan with them that was paid off. The phone number, address etc they have does not belong to me and never has. I have sent in police reports over years to show them there was someone with similar name that items were being placed on my report. XXXX XXXX XXXX never responded. 

The second item is from XXXX same issue this is from XXXX they are reporting a charged off account with a past due balance of {$1500.00}, when I call them they say the amount is {$4000.00} and I have never had an account with them. The phone number, address, etc is not mine. 

I sent the police report and fraud notification to them as well. They never respond, just over phone say I have to pay the amount. My most recent communication with XXXX was today XX/XX/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 2024-06-28 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: IL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a Credit card for Best Buy in XXXX. XXXX years later, I was notified by mail that there had been a lawsuit, and upon looking more closely at my statement I noticed I had been charged by XXXX. I did not recall consenting to this additional fee. I followed the steps outlined to end that " XXXX XXXX '' account and get the fees dropped. I was told that the account was canceled. After that, I had charged some large purchases to the Best Buy card and set the payment to autopay. To my surprise, I was recently notified via XXXX XXXX  that my Best Buy card was over 90 % utilized. It would appear that I have unknowlingly been charged fees every month for " XXXX XXXX  '' that I don't remember signing up for or agreeing, not to mention canceled years ago. Apparently it was never canceled, and because of this recurring fee my card is just about maxxed out. I called Best Buy had to go through a few hoops to be transferred to the correct department and told, again, that subscrition is canceled. However, I was not offered any sort of retribution.

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am getting lerters about pay my credit card bill for XXXX from capital one as of XX/XX/year>. I have been unemployed due to an accident caused by other.in my place of work. Could not pay for that debt accordingly, so my dispute is as soon as i am able to work i will pay those XXXX, i would like to know if they will ruin my credit which is not so good right now XXXX. Or will they be able to wait. Is this letters coming from capital one or someone else like a collection agency i would like to know. Whats the best i can do and how long would i be able to hold the debt with out having to go truough anorher call or letter. In the mail. Thank you ... XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>. I received my tax refund of {$35000.00} from XXXX. I withdrew {$400.00} XXXX XXXX from the ATM and I also tried to use my debit via the XXXX XXXX but unfortunately, they restricted my account I called to find out what was wrong but they couldn't give me a reason and no definite time they will resolve my account. 

Kindly help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-28 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-28 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: CT

Complaint narrative:
XXXX and Experian credit scores and information reported is inaccurate. 
XXXX and Experian do not match information reported by XXXX. 
XXXX is accurate.

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 2024-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-28 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-28 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: OH

Complaint narrative:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my 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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  on XXXX, XXXX under the account number ( private ), an credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/year> under the account number ( private ), a Credit Card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), and a credit card account opened at XXXX XXXX  on XX/XX/year> with a balance of $ ( private ) and a credit card account with XXXX XXXX XXXX opened XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was offered the capital one XXXX XXXX card through the Capital app. There was a spending bonus for the first 3 months for spending over {$500.00} you receive {$200.00} The card arrived in XXXX. I met and went above the spending amount and was waiting for my bonus in XXXX but it never came, I called Capital One recently and they said my account was created in XXXX. A case was made for an extension. I got a call today XX/XX/XXXX and they said the extension is only up to XXXX they mailed out the card in XXXX and took no responsibility for the card arriving late. The extension also only extends to XXXX so I still can't qualify for the bonus. Never had such a negative experience where everything was set up for the customer to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: NC

Complaint narrative:
According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX ACCOUNT LISTED UNDER INQUIRIES XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

I DEMAND THAT YOU REMOVE ALL THE ABOVE ACCOUNTS FROM MY CREDIT PROFILE IMMEDIATELY AND THE CREDIT FILE BE UPDATED. 

***PLEASE REMOVE ALL NON ACCOUNT HOLDING INQUIRIES. 


THANK YOU, YOUR NAME : XXXX XXXX

Company response to consumer: Closed with explanation