vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON XX/XX/year> I TOOK XXXX XXXX  FROM LOCATION TO ANOTHER AND THE APPLICATION INFORMED ME THAT I WAS GOING TO BE CHARGED AROUND {$57.00}. WHEN I REACHED MY DESTINATION XXXX APP SAID I WAS GETTING CHARGED {$72.00} OF WHICH WAS MUCH MORE WHAT I WAS TOLD. I WAITED TO GET THE RECEIPT VIA EMAIL TO CONTACT XXXX. I WAS NOT ABLE TO REACH A LIVE PERSON. I TIRED REACHING SOMEONE VIA THE CHAT APP WITH NO SUCCESS. I WAITED FOR THE CHARGE TO POST ON MY ACCOUNT IN ORDER TO DISPUTE THE CHARGE. TODAY I TIRED DISPUTING THE CHARGE BUT ACCOUNT SUPERVISOR XXXX REFUSED TO DISPUTE THE CHARGE BEING I DID NOT HAVE ANY PROOF THAT I WAS TO BE CHARGED AROUND {$57.00} BUT GOT CHARGED {$72.00}. XXXX DOES NOT PROVIDE US WITH A RECEIPT OR PROOF OF WHAT THE CHARGE FOR THE RIDE IS UNTIL THE RIDE IS COMPLETE. CAPITAL ONE IS VIOLATING THE TERMS AND CONDITIONS OF OUR AGREEMENT OR CONTRACT BY FAILING TO DISPUTE A PURCHASE THAT WAS OVERCHARGED BY THE MERCHANT SUCH AS XXXX. CAPITAL ONE IS WRONG IN NOT DISPUTING THIS CHARGE AND IF THEY DON'T I WILL NOT TAKE THIS SITTING DOWN. I AM TIRED OF CAPITAL FAILING TO PROTECT ME WHEN THEY ARE SUPPOSED TO. I WOULD LIKE THE CHARGE OF {$72.00} DISPUTED. THANK YOU.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have mailed countless letters to the addresses depicted on each of the bureaus website to dispute the following recorded inquiries that I DID NOT EVER AUTHORIZE. I asked for documents bearing my signature and application and I began mailing letters directly to the bureaus dating back to XX/XX/2024. I have already tried contacting each individual company who said they do not have my information and I need to contact the bureaus. There was no permissible purpose for the pulling of my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, I made a wire transfer from my XXXX account to JPMorgan Bank National Association located at XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$25000.00} US dollars, to XXXX XXXX. Upon investigating I learned the funds had not been received by XXXX and the latter had been advised their account had been closed for some breach of Chase securities. I had been requesting tracing by XXXX on numerous occasions as to where the funds were and that I want said funds returned as the account had been closed. On XXXX XX/XX/year>, I called Chase Executive Office and spoke to XXXX then XXXX, who in turn connected me XXXX and was assigned an case number, XXXX. I was advised because of Chase privacy restrictions they could not discuss with me nor provide any information and to contact XXXX Wire Department, where I was advised it could take up to 7 weeks for such a trace to be completed. In the interim, XXXX was being purchased by XXXX XXXX which further complicated the situation. XXXX stated they had issued urgent requests for the return of the funds but it all fell on deaf ears. XXXX XXXX the transferring bank confirmed that the funds had been received by Chase on the same day. XXXX recommended contacting XXXX which was done. Their conclusion is outlined in the fair solution of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
I changed my monthly mortgage payment from monthly to semi monthly and they withdrew both the monthly and semi monthly payments from my checking account and then said if I can prove they did that, it would take 7-10 business days to fix it. They also said they would not contact me that I would have to keep calling them. Meanwhile I got a message from them totally unrelated saying they won't change my payment date to the first of the month. I didn't even ask for that. 
This is a horrible company to work with and I wish I had a choice who manages my mortgage, because I certainly would not pick this company!!

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Ive received maybe four calls and four text messages from Spring Oaks Capital claiming I have debt from XXXX XXXX  Ive asked for written verification of the debt and to only contact me via mail moving forward and they continue to call. They have my name, phone number, all of our mail is forwarded from previous addresses, and the debt does not even appear on my credit report because it can not be substantiated. I have two collections on my credit report, neither of which are Spring Oaks Capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had several transactions for unauthorized purchases. The money used to make the purchases was moved from our savings account to checking and paid with by debit card. We have since then closed the checking account, replaced the cards and added a freeze to our credit report. 

We have submitted 4 disputes to the bank for the transactions in question. Three of those disputes were approved withing a day or two. The balance of our money however has now been denied twice. The three disputes approved where used with the same merchant, same card and same bank accounts. 

I have filed a report with the Police and also working with XXXX to verify that these charges were unauthorized. I am attaching all the documentation provided to both Truist as well as XXXX. 

Not having these funds replaced by Truist has put us in a financial strain. We have been trying to resolve this for almost 2 months to date. We need a resolution as soon as possible as we have bills that are late. 

I have attached all supporting documents provided to Truist.

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 2024-10-16 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XXXX from the attorneys office called and left a message on my phone that sounded suspicious. I called back to find out what it was about. She only told me it was from an auto loan debt from XXXX, but didnt have any more information. Then threatened with interest rates that have been incurred over the years. She did not want to give me any more information then hung up the phone. This supposed debt is almost XXXX XXXX XXXX that Im not aware of. This can not be legal for an attorneys office to be able to get away with this type of stuff. It has to be illegal. Please confirm or advise me what to do? Should I get an attorney and take these guys to court and sue them? Im a XXXX XXXX  XXXX XXXX veteran. This has to be illegal being on a fixed income? 

My correct cell phone number is XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX  referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time. I have provided bank statements and payment confirmation receipts as evidence, which clearly show that the payment was processed and sent before the due date. 
Despite providing these supporting documents, the late payment was inaccurately recorded on my credit report by Experian. 
Although I followed the correct dispute process as per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time. I have provided bank statements and payment confirmation receipts as evidence, which clearly show that the payment was processed and sent before the due date. 
Despite providing these supporting documents, the late payment was inaccurately recorded on my credit report by Experian. 
Although I followed the correct dispute process as per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am REWRITING to complaint to COMENITYBANK-VSMC since no action action of getting this deleted has been taken about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXXXXXX The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am refiling this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
I was made aware a Self Credit account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.

Company response to consumer: Closed with explanation