vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Online fraud on XX/XX/2024. I needed XXXX customer support. I searched for the number via XXXX. I called the number that popped up but instead of XXXX, crooks answered. They showed me a fake record of my XXXX XXXX account with multiple ( fake ) fraudulent transactions. " First, we have to clean up these fraudulent charges, '' they told me, and I was hooked. From that point on, I stupidly followed whatever they told me to do, which included ; Sending all of my money $ XXXX a friend via XXXX. He sent it right back. But now the money was at XXXX. I stupidly bought XXXX and stupidly sent them to the addresses I was given. ( Did I mention that I was stupid? ) Sofi is " investigating. '' I'm worried that they will say that I made these transactions voluntarily and won't return my money. They said that they usually make a " provisional '' determination within 10 days but that period is long past. The investigation can take up to 90 days. I desperately need the money before then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

XXXX. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the 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 explanation
Consumer complaint received 2024-05-07 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: Evident Capital LLC
State: IN

Complaint narrative:
Received unsolicited " preapproved '' loan offer via direct mail for {$25000.00} loan at " rate as low as XXXX  % '' ( in the fine print it states the rate could be as high as XXXX  % ). 
It clearly states " preapproved '' ( NOT " pre-qualified ). I used the QR code accept the offer if satisfied with the interest rate and other terms. They immediately robocalled me and the call was joined by a rep identifying himself as XXXX. He was slippery and shady and avoided giving direct answers to direct questions. He asked lots of irrelevant questions and I patiently answered, though I did a couple times mention it was unneccessary. After a long time I did insist on knowing the interest rate, at which time XXXX became beligerent, let out an outburst, and hung up. 
I called the number on the mailing, XXXX and spoke with XXXX XXXX. He explained that due to my credit score -- both reps said it was XXXX or XXXX -- all they would offer me is some kind of debt consolidation negotiation or something but definitely not a loan. I noted that the mailing indicated they already knew my credit score when they sent me the FAKE preapproved loan offer. He denied knowledge of the offer descreibed in the mailing, but asked when I received it. I told him the mailing says the preapproved loan offer expires XXXX XX/XX/year>. I asked for the company 's main physical address. He gave : Americor Finance XXXX XXXX XXXX XXXX, XXXX, CA XXXX. He said that XXXX XXXX XXXX is really just.a dba.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX I was notified through XXXX XXXX  about a closed account with Capital One. All payments have been made on time through a bank account and card was being used in accordance with customer card agreement. They have initiated a letter for a fraud account which I am attaching. If it is fraud and payments being made the account should not have been closed and company should have contacted me. Capital one is knowingly causing damages to my account reducing my age of credit as this is one of the oldest accounts I have. At this time they are in violation of security exchange commission as my application has been turned into a security and this is a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I asked for an extension for XX/XX/XXXX payment. They reported that I was 30 days late on my XX/XX/XXXX reporting.I asked the original creditor can they send me a copy of when they received my payment and they refused to do so. I closed the account in XX/XX/XXXX. I disputed the late payment in XX/XX/XXXX. The credit bureau updated the dispute and ( moved the late payment to XX/XX/XXXX with balance of {$4300.00} being my highest balance when my credit limit is {$400.00} ). It also made my payment history shorter. Ive had the card since XXXX and its reporting that I only had it since XXXX. The late payment had been moved a month over when its not even suppose to be any late payment reporting.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
rooms to go account XXXX. I would like rooms to go to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX account XXXX. I would like XXXX XXXX XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I she two accounts on my report {$540.00} opened on XX/XX/2022 {$570.00} opened on XX/XX/2XXXX  15 u.s.c 1692c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
I am writing to dispute the accuracy of XXXX XXXX XXXX listed on my credit report. After thoroughly reviewing the information provided by XXXX XXXX XXXX, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Refer to Complaint # : XXXX - TransUnion Refer to Complaint # : XXXX - XXXX Refer to Complaint # : 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
The bank increased my pay off amount from {$16000.00} to {$17000.00}. for no reason. when I ask. They claim late fee,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I used my Chase Rewards points to redeem a {$25.00} XXXX gift card. Chase sent me an XXXX XXXX gift card, which is owned by XXXX  but different from their general store. I ordered the general XXXX  gift card so I could purchase XXXX or XXXX products. I am not a baseball fan, so an XXXX XXXX gift card is worthless to me, as the XXXX XXXX gift card can not be used in other XXXX stores. I took a screenshot of the receipt which reflects the XXXX  gift card that I ordered. That and the gift card I received are attached to this complaint. 

I contacted Chase immediately upon receiving the incorrect gift card on XX/XX/XXXX. I was told the points would be refunded but it would take 2-3 weeks for the issue to be escalated to the proper department. Today, XX/XX/year>, I contacted Chase to follow up because I had not received the refund nor any communications from Chase regarding the status. After being transferred to a supervisor, I was told that the escalations team he denied my refund and there would be no further discussion. They just kept repeating that I agreed to Chase 's terms and conditions which apparently provides that they do not have to honor any redemption. I asked repeatedly what my other options were and if there was any way to get the gift card I ordered or have the points returned to my account. The representative would only say that the decision is final and that there will be no further consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, This letter is to inform you I am currently in the process of purchasing a home. Upon reviewing my credit report, it shows I currently have two other accounts opened with Capital One, which are not mine. Account numbers are ending in # XXXX and # XXXX. I am requesting an investigation to be opened up and for these accounts to be removed off my social security number and credit bureaus. My only true account ends in account # XXXX. 

Below you will find the information requested over the phone : Name : XXXX XXXX Previously XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Last XXXX of Account # : XXXX XXXX : XXXX XXXX : XX/XX/year> In addition, on the attached XXXX XXXX  report, page XXXX, a name variation that pulls up is XXXX XXXX XXXX That has never been my name nor have I completed any applications with that name. Please fix this error and remove off my credit report as soon as possible. 

If you have any questions, please do not hesitate to contact me at any time at XXXX or XXXX. 

I appreciate your assistance with this urgent matter. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
Please see attached documents with full details : In short we hired Fidelity National Title to help us sell our home and they tried to take all our equity and service themselves and the buyer. Instead of voiding the transaction of the sale because we did not clear marketable title with the buyer they instead called the sale complete and tried to use our funds to service what all the buyer wanted which we did not agree upon. After having to get legal involved they finally released our equity but not before having to accumulate another {$5000.00} in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I have not used Zelle in years, I used to use it only to pay my babysitter more than 5 years ago until one day they locked my account. They were less than helpful at resolving this so I just let it stay that way. 
Recently I was performing work for a homeowner and she mentioned she wanted to pay by Zelle, u told her I didnt have one. 
Friday XXXX I tried to login to Zelle and got a message saying my account was permanently locked. 

A few days later when I submitted my hours and my sisters Zelle number she said she already submitted payment to Zelle using my email address and it was showing as received. 
I contacted Zelle and asked them to return the funds to this customer because they accepted funds on my behalf on a locked account I couldnt even access. The representative told me theyd be returned after 14 days. 14 days isnt an acceptable amount of time for my payment to be in limbo. She said she unlocked my account and all I had to do was add a debit card to access the funds, so I relented. When trying to follow this process I received errors due to my phone number, had to call back, they said it was still linked to a previous bank I used that partnered with them, I had access to a different number so we tried that, but then it wouldnt let me link my email which is where the money was sent to. On call back # XXXX the rep said the only way forward was for me to jump through hoops and contact my old banking institution who I was just part of a class action against and get my phone number released. I requested they just deleted my info and not accept any more payments on my behalf, which is the crux of this issue. Zelle is accepting funds without permission and creating barriers for consumers to access said funds. If an account is locked due to their prerogative they should no accept funds for that account and reject them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've been trying to fix my credit reporting since XXXX XXXX by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 


XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX date opened XX/XX/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 2024-05-07 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-07 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Harley Davidson Financial Services Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  a couple years ago. I was behind on payments and XXXX day it disappeared off the street so I assumed it had been repossessed. Yesterday I got a text from my step mother stating XXXX XXXX received a call from XXXX XXXX with XXXX XXXX XXXX XXXXXXXXwants to discuss payment plan. I wouldnt give him your number but somehow he has mine.Anyway hope you guys are well love ya, XXXX. I called him back but he didnt answer so I called back today and he told me its about the XXXX and theyre looking to repossess it. I told him I thought it was already repossessed so I dont know where it is and to not contact me again. Isnt it illegal to discuss debt with my family? Telling my step mother that he wants to set up a payment plan sounds a lot like hes discussing my debt with family. He also called my mother and my wife but never called me once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
ON XXXX I HAVE 2 CREDIT INQUIRIES, AND ON XXXX I HAVE 4 INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : CAPITAL ONE ( XX/XX/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 CAPITAL ONE XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief