vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.

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 2024-04-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I paid off my XXXXXXXX XXXX credit card in full, in the amount of {$87.00}. On XX/XX/XXXX, I received a {$2.00} minimum interest charge due XX/XX/XXXX. I paid the {$2.00} minimum interest charge on XX/XX/XXXX, 10 days before it was due. I have all of the XXXX statements that confirm this account of events ( attached ). In XX/XX/XXXX, I learned that XXXX reported a late payment of 30 days to the credit bureaus, supposedly due to the {$2.00} minimum interest charge mentioned above. 

I have maintained my XXXX card since I opened it in XXXX and never had a late payment. I contacted XXXX several times about the above matter including, but not limited to, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but to no avail. 

XXXX claims that the 30-day late payment is correct and that they will not reverse it. 
This error on XXXX part has had and still does have detrimental and deleterious effects on my credit report, and that of my domestic partner, who I added as an authorized user to the account some time ago. 

We are demanding that XXXX immediately remove the 30-day late payment notification from my credit reports at all three credit reporting agencies, and those of my domestic partner. 

Before submitting this inquiry, I did a XXXX search and found that several other XXXX cardholders are experiencing similar issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I made a XXXX Payment to Capital One Credit Card ending XXXX and on XX/XX/year> I attempted to make a transaction but was declined. I then realized that the credit limit on the card was {$0.00} when it should have been {$300.00} available. After feeling embarrassed and stressed I contacted Capital One and informed them that I was attempting a transaction and was being denied and that the denial was causing me an adverse affect. I was told by XXXX XXXX ID : XXXX Fraud Specialist that Capital One was going to hold my funds for XXXX ( XXXX ) days until they decide that the funds are acceptable for them. I informed them that these funds were already taken out of my checking account and I had no more funds other than my expected available credit on the credit card ending in XXXX. They told me that there's nothing they can do and it was my problem and I had to solve it myself. I was shocked and felt discouraged and abused. 


On XX/XX/year> I then made another payment to Capital One Credit Card ending in XXXX for {$290.00} and again the funds were taken out of my account yet the credit limit on the credit card wasn't available. I tried to enter a transaction and was again denied causing me stress and anxiety. I then contacted Capital One Bank and informed them that I needed to use the credit card ending XXXX and I was told by XXXX XXXX ID : XXXX Fraud XXXX that the funds will be on hold until XX/XX/year>. I informed this agent that I didn't understand why if I had the funds removed from my checking account and what law states that this is something this bank can do? I was told that this is how things worked, I then was told by XXXX XXXX ID : XXXX Fraud Specialist that I must allow her to call the bank where they received the funds from to verify whether the funds were available. I declined because I did not wish to share my personal information with another bank to Capital One. I was told that I would not be able to get any assistance if I didn't. I then asked for a supervisor and was denied and the agent hung the phone up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX Bank open a credit card without my consent or knowledge. Someone used inaccuracies from my credit report for this credit line. Fraudulently open this card that I do not have.

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 2024-04-10 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: TX

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit score was reported differently to creditors when applying for new credit by the XXXX major credit bureaus causing my denial in getting new credit. An egregious example of a long history of discrimination affects the data that the credit-scoring models use today. Today, FICO considers payment history, amount owed, length of credit history, new credit, and credit mix in its model. But that data is influenced by the generational wealth that many XXXX and XXXX borrowers did not have equal access to resulting in a low FICO score for the poor, low-income, and middle-class. 

XXXX service members were denied the benefits of the Servicemen 's Readjustment Act of 1944, more commonly known as the GI Bill. The bill was designed to reward service members with benefits that would increase their social mobility. These benefits included higher education financing, as well as housing and unemployment benefits. However, XXXX XXXX XXXX XXXX  trying to cash in on the bill were either met with resistance or denied benefits altogether.

So a white service member might have been able to buy an affordable home and pass that home down to their children, who could then benefit from the home equity and the positive financial gains of their ancestors ' ability to purchase a home through benefits like the GI Bill. These are direct results of XXXX XXXX, which can undoubtedly alter the path of someone's financial life. 

The burden of poverty can trickle down to children who are at a disadvantage when it comes to being scored using today 's FICO scoring methods used by the XXXX major credit bureaus. Data points like credit length and payment history might not be the same for XXXX consumers as it is for their white peers, given the enormous disparity in wealth-generating opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: LEXISNEXIS
State: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies Lexis Nexis, XXXX, XXXX, and XXXX have validated codes XXXX XXXX XXXX XXXX XXXX " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, Experian, XXXX, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be deleted.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
As l am still a XXXX XXXX who's being RETALIATED AGAINST in XXXX Illinois for reporting Corruption by deceptive Bankruptcy firm known as XXXX XXXX It's enough I'm blocked from Chase Bank from having a account as of XX/XX/2024 but someone has gone as far as having XXXX report me as being XXXX as of XX/XX/2024. In all my XXXX  years retrieving my credit report and score, I have never seen anything like this!! I tried to resolve this matter with XXXX representative but she hung up after 20 minutes trying to her to explain logically why there's no credit score anymore. Also CHASE BANK had the strange audacity to close my account without reason in 10 days on XX/XX/2024. Please contact me regarding investigating this bizarre matter as l have been tolerating strange hacking on my cell phone. My emails have been compromised and my cell phone numbers in the past 6 months as well. Someone very dirty empowered is trying to XXXX XXXX  as l am XXXX  ( staying at a XXXX XXXX in XXXX Illinois since XX/XX/2024 ) and blocked from getting approved for housing or legal support. Please investigate why l can't receive my credit score and why Chase Bank can close my bank account without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
XXXX is reporting on my credit a debt that I do not owe {$1700.00}. I never opened an account with them or XXXX  and the credit bureaus have failed to provide or remove the erroneous information from my report. 

XXXX XXXX XXXX is reporting on my credit a debt {$1700.00} that I do not owe I never opened an account with them or gave them any information and do not owe this debt. The credit bureaus have failed to provide or remove the erroneous information 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On Saturday XXXX XXXX a man sent me money through his phone via ZELLE at my place of work. Three transactions in total. He claims he didnt authorize payment & filed a claim towards my bank escalating to my bank account being closed abruptly causing me SERIOUS distress. My work place has video footage of man sending money to my phone at exact time transaction was placed aka I have a whole lot of proof & witnesses. My bank didnt verify me of closure, didnt even ask for my side of the story just honored this mans story which is fraud. 
Bank closure included me losing all of my current funds. My friend sent me {$3000.00} for an upcoming XXXX I have on XX/XX/2024 & that is gone from my account completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
I must express my disappointment with your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. Your assumption of the role to determine what qualifies as a material fact is disconcerting, especially since you lack the authority of a judge. I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX and DEPT OF EDXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have proof that my personal information has been compromised/breach through XXXX, Transunion, and XXXX. 
I never gave any of those companies written or verbal consent to disclose my personal information.Now my credit is in shambles and Im being sued by debt collectors!

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-10 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: NY

Complaint narrative:
When I reviewing my credit report, I was astounded to discover several inaccuracies that require urgent attention. Specifically. I don't know why this company has included this information on my credit report, as I have never missed a payment with any of them. I urge you to update this account promptly. Your assistance in resolving this matter is greatly appreciated. Thank you for your attention to this issue. I request an investigation into this account : 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 non-monetary relief
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewing my credit report, I was astounded to discover several inaccuracies that require urgent attention. Specifically. I don't know why this company has included this information on my credit report, as I have never missed a payment with any of them. I urge you to update this account promptly. Your assistance in resolving this matter is greatly appreciated. Thank you for your attention to this issue. I request an investigation into this account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX intends to collect an amount not owed to them after American Express was used to pay. The purchase was refunded by the merchant to XXXX, and XXXX transfered it to American Express. The amount was refunded to the Consumers credit card only once, after American Express issued a temporarily refund to the Consumer, which was reversed weeks after, when XXXX finally refunded. 

XXXX claims the amount is owed to their balance, which was never used to make the purchase, and while the refund was received by XXXX XXXX XXXX, by XXXX to be credited to the Consumer Credit Card. 

Fraudulently XXXX wants to collect, and threatens the Consumer after sending an email of transfering to a collection agency illegally, and against the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I reached out to Mr. Cooper customer service to request their process of getting my PMI Removed. Upon speaking with a representative they informed me that I needed to pay XXXX for an assessment which I did. The evaluation was not provided to me until i reached out and was riddled with errors to which the next representative I spoke with stated that I should have completed the full appraisal which I informed her that I had not been given that option and if I had, I would have pursued that route as my property is unique in nature. I asked that I be refunded the XXXX I paid and would have like to move forward with the full appraisal. She stated she would discuss with her manager and have them reach back out to me, but I was never contacted. I reached out again to discuss the same issue but was offered the ability to dispute their evaluation and that a manager would call me back to discuss my original issue, but I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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