vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I just want to login to my account. I've been trying to login to my.equifax.com for days to manage a credit freeze, but despite entering all the correct login and personal information I keep receiving the error, " We are temporarily unable to complete this request. '' Ive contacted Equifax Customer Support. I provided all the necessary information, reset my password, followed all the steps, and still receive the same error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing to file a formal complaint against U.S. Bank regarding an issue that has severely impacted my access to credit. I have been a long-time customer of U.S. Bank and hold multiple credit cards with your institution. In XXXX, I attempted to extend my relationship with U.S. Bank by applying for a credit card with Elan Financial Services, a division of U.S. Bank. Unfortunately, this action triggered a fraud alert with U.S. Bank. As a result, the available credit limit on all my U.S. Bank credit cards was reduced to {$0.00}, rendering me unable to use any of my credit cards. 

I promptly contacted U.S. Bank to address the situation and was instructed to fax my New York State Driver 's License and Social Security card to fax number XXXX. I complied with this request and faxed the documents multiple times. Despite my efforts, I noticed that the available credit limits on my accounts remained at {$0.00} after several weeks. 

On XX/XX/XXXX, I contacted U.S. Bank again and was once more instructed to fax additional documentation, including my New York State Driver 's License, Social Security card, two months of checking account statements, and two years of IRS tax returns to the same fax number. I was also asked to include a cover sheet with four reference numbers : XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I faxed all the requested documents, including my New York State Driver 's License, Social Security card, two months of XXXX XXXX checking account statements, my XXXX and XXXX IRS tax returns, and the cover sheet with the specified reference numbers. However, as of today, XX/XX/XXXX, my credit limits on all U.S. Bank credit card accounts remain at {$0.00}. 

While I understand the importance of protecting against fraud, this situation is not a case of fraud. I have provided all requested documentation in a timely and thorough manner, yet I am still unable to access my credit. This has caused significant inconvenience and disruption to my financial stability.

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 monetary relief
Consumer complaint received 2024-07-02 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: MA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing account # XXXX that I owe {$4400.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received paperwork in the mail that is just computer generated account bills which have my name on them, but I also obtained, through my own sources, the same paperwork of several individuals. Other than the names being different, the rest of the paperwork is identical. It is either fraud on the part of Capital One Bank, or it is major oversight on their part to protect stolen identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I applied applied for a personal loan on XX/XX/XXXX. Per the company 's submission process, I submitted the application. Then I submitted all documents : two years of W-2 's and pay stubs. Then a few days later, they requested a voided check. That was sent. They then asked for a bank login. I was skeptical, but submitted it. That was Saturday. I was told I would here back within 2 days. That was XX/XX/XXXX it is now XX/XX/XXXX. Now when I called they are telling me they can not verify my information. I am flabbergasted. This is beyond unprofessional. The reps are telling me their system is not working. lol This is 2024 the age of AI and technology. The " dog ate my homework '' is not an acceptable excuse. This is patently unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I opened my credit card, XXXX XXXX  through capital one. There was a promotion to receive XXXX amount of miles when you spend XXXX  amount of dollar within the first 3 months. Although I was able to complete this, I never received my reward. The first phone call I made to customer service was just after the promotional time limit, the agent informed me I should see my rewards within 2 weeks. It is now XXXX and I still have not received any additional miles from the promotion. I called again today and the representative told me she is aware of the promotion but I did not qualify and claims although I qualified for the card my credit score was too low to qualify for the promotion. I believe this is false advertising and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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 was reviewing my consumer report and noticed these frivolous items from my consumer 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 explanation
Consumer complaint received 2024-07-02 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: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-02 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:
I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have been having issues with Citi Credit since XX/XX/year>. 

Our final request for credit of {$74.00} is still pending. 

Our last statement indicated the amount has been refunded but we are NOT in receipt of refund. 
This is the SECOND refund sent not received. 

Please have Citi show proof the check has been cashed by us. 

Thank you kindly for your assistance! 

XXXX and 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 monetary relief
Consumer complaint received 2024-07-02 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
i recently received a copy of my credit report and have never done business with this company or never received any USPS inquiries from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NV

Complaint narrative:
Upon checking my credit report, I have found out that the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the account number XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent XXXX I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records immediately.

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 2024-07-02 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
i will use XXXX XXXX  and after i use XXXX XXXX XXXX from my pnc bank account i will check my account and see the money is immediately debited from my checking account showing the new balance, yet days later the same amount is deducted from my account. this has happened a lot and all pnc can tell me is that its because the merchant may not take the money i spent until days later which makes no sense that the funds are deducted from my account again days later. i have a XXXXXXXX XXXX  account also anXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  using their bank this never happens, it will show the funds are on hold and the funds are never deducted again days later. i used my pnc account on the XXXX of XX/XX/year> and on the 1st my banl account when into negative due to the same money i used on the XXXX was deducted again. pnc has no logical explanation for this. theres something wrong with their computer system or something, this has happened many times with pnc bank and now i know ive been getting ripped off. i want pnc bank investigated and my records pulled and gone over by a private accounting firm to see pnc is ripping people off due to some reason either clerical or computer errors. pnc owes me thousands of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-02 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: FL

Complaint narrative:
Account number:XXXX XXXX XXXX. 
The company did not provide valid documentation that I have an alleged legitimate payment obligation or a contract signed with XXXX XXXX because that is not my debt. The company instead only sent a copy of an alleged contract with a hotel complex that I do not recognize. I have never spoken with that company and the address and other data of the alleged contract do not belong to me. At this point I will take legal action for continuing to violate my rights. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, for account listed without my expressed written consent.

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 2024-07-02 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: U.S. BANCORP
State: MN

Complaint narrative:
We purchased tickets for a bus tour from XXXX XXXX on XX/XX/year> while on vacation. We paid XXXX, which came to {$120.00}. The company 's website and brochure advertised that they had live guides, which was important to us. The ticket agent from whom we bought the tickets ( and gave us the brochure ) also verified that they had live guides. However, once we were on the tour, that was not the case- they only had a poor-quality recording. An agent at the next stop told us to contact customer service for a refund, which I did the next day. I exchanged several emails with XXXX over the next week, but they refused to provide a refund even though they did not dispute the validity of my claim ( statement from them in an email included in documentation ). 

I finally resorted to disputing the charges on our Fidelity credit card and contacted Elan Financial Services ( who manages the Fidelity credit card ) on XX/XX/year>. Elan issued a provisional credit, but then reversed it on XX/XX/year> because they claimed I had not provided proof, even though I had faxed them 12 pages of documentation on XX/XX/year>, which was the deadline. After contacting them again on XX/XX/year>, they reinstated the provisional credit on XX/XX/year>. Then on XX/XX/year> they again reversed the provisional credit. On XX/XX/year>, I contacted them to find out why they reversed the credit and was told that " you received the services represented by the transaction, '' which is completely incorrect. We did NOT receive the services represented by the transaction- in fact that was the entire reason for the dispute! I requested that a manager in their Case Management department call me. Later on XX/XX/year>, I also faxed them a letter outlining what had taken place along with a copy of the brochure we received when we purchased the tickets, which also claimed that XXXX had live guides. I had to call them again on XX/XX/year> and yet again today ( XX/XX/year> ) before I finally talked to a manager in Case Management ( XXXX XXXX He just kept telling me that they were not " able '' to credit me since we went on the bus tour, which is absurd. If we hadn't gone on the tour, we wouldn't have known they didn't have live guides. Furthermore, we couldn't get off the bus once we were on it, unless we wanted to walk miles back to our hotel. After my call with him, we received a letter from them dated XX/XX/year> saying the same thing.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have requested the removal of a collection account from my credit report and provided supporting documents to justify this request. However, the credit agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and is reporting incorrect information on 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 explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
i have identified information on my report that are a result of identity theft these accounts do not belong to me XXXX XXXX XXXX # # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: OR

Complaint narrative:
I have requested the removal of a collection account from my credit report and provided supporting documents to justify this request. However, the credit agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and is reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I found I owe money and which I never received.. its clear someone did that.my identity got stolen..I have no idea until they start sending those letter to my house.. 
Jefferson capital syst account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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