vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am enrolled in a debt settlement program due to unexpected expenses and ending up with XXXX mortgages for XXXX  months. I had the XXXX synchrony bank credit card balance enrolled in that list of creditors to be settled. I decided to call the pay pal synchrony bank customer service number and asked them if we would be willing to offer me a settlement offer directly, I was transferred to a collections agent specifically. She said it would be better to settle with them to avoid additional fees by the debt settlement company. She then said they could do a settlement offer directly of {$320.00} and I could pay XXXX lump sum or in XXXX payments. She said confirmation of this settlement would be sent but I havent received it. I did however receive a letter confirming my XXXX scheduled payments and it says I am to continue making payments after these payments, until the balance is paid in full. I dont know if this is standard verbiage but this isnt what I agreed to. And they setup the XXXX payments to come out automatically. If they arent going to follow the agreement we made, im going to cancel the payments and enroll the debt back into debt settlement. I also need a confirmation of the settlement agreement that was made to be sent to me immediately, or Im cancelling the scheduled payments.

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 2024-11-22 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and 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 explanation
Consumer complaint received 2024-11-22 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
My debit card got stolen and I got scammed chase provided a few of my disputes back through a credit well XXXX of the credits for XXXX got took back out of my account and XXXX stated that in response they dont have recovery rights to get my funds back I showed them proof of the police report they said its up to the police to get my funds back but Ive been in situations like this before and the police definitely wont do anything to recover my funds and the bank should have insurance over every ones funds or a charge back to the merchants bank XXXX for my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
While checking with Navy Federal, I spent thousands in overdraft fees due to them holding money then releasing when they see opportunity to charge overdraft fees. I had to opt out of the overdraft protection but they still held payments and charged fees with no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

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 2024-11-22 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Earlier today, I discovered unauthorized inquiries on my credit report, and I am confused about their origin. I spotted discrepancies during my usual check and tried refreshing the page in case it was a technical glitch, but the inquiries were still there. This situation is causing me a great deal of frustration, and I demand a thorough review of the documents Ive sent to prevent further issues.

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Found multiple incorrect accounts on my credit report. Request immediate removal and blocking.

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 2024-11-22 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: FL

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: LA

Complaint narrative:
Unauthorized hard inquiries listed under 15 USC 16c-2 need to be removed as they are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a Capital One Venture XXXX  credit card based on their advertised robust travel services, which they provide through the Capital One XXXX XXXX. On XX/XX/year>, I booked a XXXX XXXX ticket for {$110.00} through this portal for travel on XX/XX/year>. I later rescheduled the ticket to XX/XX/year> through the same platform. Capital One XXXX did not inform me of penalties or fees tied to cancellations or rescheduling. 

Following this, I decided to cancel the ticket through Capital One XXXX today ( XXXX, 2024 ), as I was assured by the platform interface that XXXX would provide an airline credit worth the ticket price to my account for future use. However, when I tried to utilize this airline credit, Capital One XXXX informed me of a {$99.00} penalty being imposed on my account, allegedly on behalf of XXXX, because of the cancellation. This penalty was not communicated to me when I rescheduled or canceled the ticket. 

I reached out to Capital One XXXX via customer hotline to resolve the issue, pointing out their lack of transparency, but they refused to take responsibility, instead directing me to contact XXXX XXXX. XXXX, in turn, stated that since the ticket was booked through a third-party agency, any concerns should be addressed with Capital One XXXX XXXX 

I was shocked by this response and felt trapped in a situation where neither party was willing to provide clarity or resolution. Upon further research, I discovered that many customers have encountered similar problems with Capital One XXXX. It seems that customers are lured into opening credit cards like the Venture XXXX, which has a {$390.00} annual fee, with promises of robust travel support, only to face poor service and hidden penalties when utilizing these advertised benefits. 

This lack of transparency, combined with the failure to disclose material terms about penalties, feels deceptive and exploitative. If I had been informed about the {$99.00} penalty upfront, I would not have proceeded with the rescheduling or cancellation. 

I am requesting that the {$99.00} penalty be removed from my account, as it was never disclosed during the transaction. Additionally, I hope that the CFPB can look into Capital One XXXX 's practices and advertisements for systemic issues that might be harming customers in similar ways. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAS for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, SSN, The FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a Validation of the debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 XXXXXXXX

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 2024-11-22 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-22 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: GA

Complaint narrative:
I was shocked to find inaccurate accounts listed on my credit report this morning and have no clue how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared out of nowhere. Refreshing my browser didnt help, as the errors remained unchanged. Im urging a thorough review of the documents Ive submitted to resolve this issue permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-22 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to the XXXX XXXX  account ending in XXXX. The account is being reported as charged off ; however, XXXX XXXX  has failed to issue a Form 1099-C or provide documentation verifying the validity of this debt. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer credit information. 

Disputed Information Creditor Name : XXXX XXXX  Account Number : Ending in XXXX Issue : Charged-off account still reported without verification of validity or issuance of a Form 1099-C.

Violations 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

2. 15 U.S.C. 1681s-2 ( b ) : Failure to properly verify and correct inaccurate information after a dispute. 

Requested Resolution XXXX. Remove the XXXX XXXX account from my credit report. 
XXXX. If the account remains, require XXXX XXXX  to provide : Proof of continued collection efforts or A Form 1099-C, if the debt has been forgiven. 

Supporting Documents I have included the following : 1. A copy of my credit report with the XXXX XXXX  account highlighted. 
2. A copy of my government-issued ID and proof of address for verification.

Please complete your investigation and notify me of your decision in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Account that is disputed is for {$81.00} it is also saying it is a Open balance to XXXX XXXX XXXX and they are the Original creditor which is false/inaccurate and misleading. 
There are also XXXX other accounts that show being closed which needs to be deleted as well per 15 USC 1601, 15 USC 1681 and 15 USC 1692. All names, addresses and phone numbers need to correct to the current information.

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