vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2022 I was out town and went to use my card and it declined. Immediately called capital one to see what was going on. They told me the card was temporarily restricted because it was being investigated. I asked why that told me at this time they didnt have information then told me I had to wait 30 or 60 days Im to sure of the exact days. A month or two went by I called to follow up. I then was told I reported this card as fraud and that I didnt open. I then told the representative I didnt not report this as fraud several times I also had mention I been working with a credit service They said okay will make note of this basically tell me dont worry its still being investigated I said okay maybe a month later I got a letter from capital one ask me to submit the supporting documents that this wasnt my account and I didnt open So I called again stating the same thing I did not report this account as fraud. Here I am today investigated completed on XX/XX/XXXX my card is closed now after they so called investigation because I reported fraud and they believed this account is mines. So my question for them was who called and reported this and when because now I need to find out who use my information. Because if I called 2 time and I think it was 3 times Im not sure saying I never reported this card as fraud. My bank account is link to this account Plus I also have a car loan through capital one Lets rewind I told them several times a creditor had been working on my account also who I also reach out to and he said he didnt report this information. This also happen to my husband so thats why I ask for information on who report this because I can only think of this creditor who is working on our credit but as a customer who is trying to protect her identity why is the credit card company Penalizing me after I told then it wasnt me and I never reported fraud on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I paid and settled in full XXXX collection accounts on all three of my credit reports, TransUnion, XXXX, and XXXX. Three were reported within a week of settlement, two notated as settled in full and one completely removed. Three were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted TransUnion via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with TransUnion, XXXX with XXXX and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.

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 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Received a letter from a Debt that is time-barred, last payment was in 2004. Asking for an amount including interest and this against my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my XXXX XXXX car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! XXXX once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why XXXX continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and XXXX. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change XXXX info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems Equifax added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX SERVICES : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX  XXXX : OPENED XX/XX/XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX  XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX/XXXX  : XX/XX/XXXX XXXX XXXX  SERVICES : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : 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 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 non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied for a checking account from US Bank and it was approved instantly and then I completed an initial deposit of {$25.00}. After that, I received an email that everything is completed. However, one month has passed, I have not received any information from US Bank about my account information such as account number and I have not gotten a debit card, so I can not set up my online account number. 

Until now, this account is still unavailable. I already spent a lot of time on it, called the customer service but nobody could help me, they transferred me to each other department.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent Activity XXXX. XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX ( Finance ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX ( Bank ) ( XXXX XXXX ) XXXX XXXX XXXX ( Bank ) ( XXXX XXXX ) I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent Activity XXXX. XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX ( Finance ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX ( Bank ) ( XXXX XXXX ) XXXX XXXX XXXX  ( Bank ) ( XXXX XXXX ) I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
NOTICE OF ARBITRATION. I previously requested Transunion to do an investigation and to block information that is obviously a result of fraudulent activity. I have still not heard back from them ( complaint ID XXXX ). By law, Transunion had 4 days from the date of receipt of my notice to act. They did not. Secondly, XXXX, XXXX and the furnishers of certain accounts on my consumer report have done a proper investigation and have removed the affected accounts. However, Transunion continues to violate my rights as a consumer by reporting information that should not be on my consumer report. Therefore, I am DEMANDING that Transunion block and delete the identified accounts within 4 days of receipt of this notice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am giving Transunion a last chance to adequately fix the issue before I proceed to arbitration.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

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 2022-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a security/safety box with Chase Bank that I used to secure valuables that are not needed in a constant basis. I recently went to Chase Bank on XX/XX/2022 to discovered that I had no security box. Lead Associate XXXX XXXX advised me that Chase Bank had an audit by an independent contractor and the boxes that had mismatched numbers with their computer system were drilled and taken. 
1 ) no notice was given to us BEFORE this took place 2 ) no notice was given to us AFTER this took place. 
We found out when we are about to go on a trip and while attempting to collect some of our valuables, we discovered this! 
I made an escalation complaint with Chase in which they manager only wanted to have information about the branch and said had no control over collecting my security box back or expediting the process. I spoke today with the branch associate who notified me they received a response to the fax sent to this " audit '' company on XX/XX/2022 and advised that it will take 7 - 10 days for the branch to receive my valuables as they were sent via USPS. HOW IN THE EARTH IS THIS COMPANY SENDING MY VALUABLES VIA USPS!! if we contract for a security box is because we need our valuables secured and we need to be able to reach them at any given time!!!! I am asking that you provide assistance to recovered my valuables and I am asking that an investigation is done on this process. I dont even know if I am going to get all my valuables as I did not think about creating a listing or taking pictures as I blindly trusted a bank institution of the size of Chase. Now I have to trust that the listing of valuables they will provide is correct????? I am asking for your prompt help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was approved for a credit card and I called to find out that fraud department tried to close my account without me even having it like XXXX minutes. They realized that my credit was only a XXXX I called several times and customer service told me that it was due to the fact that my credit did not meet their standards it was still in the application process which I know is not the truth because I got a XXXX account alert that my account was open and when I try to call and spoke to several times I finally was told the last four digits of the card number and that it was a account open in my name so I tried to log in and of course they wanted me to try to sign the agreement so that they can close the account at there discretion but I never did and I'm waiting to hear from someone now they will not honor their open account so now my credit had took XXXX point dip due to the fact that they close the account right off the back I know there's a lot of privacy issues with my apps on my phone and I need to speak to somebody about this I also took screenshots of the account being open on my credit report and also screenshots of the point differential.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hi, I am attempting to resolve an error where Discover is violating the law, nor are they practicing good business principles and they have not protected me by standing on their {$0.00} XXXX XXXX XXXX XXXX are in violation of the Fair Credit Billing Act. 

I have called Discover fraud department ( in XXXX ) regarding a fraudulent charge of {$400.00} from a XXXX transaction on XX/XX/XXXX, they closed my account and issued me a new card. 
On XXXX XXXX I called them back advising it was NOT fraud and I allowed a family member to use it. ( ERROR ON MY END ) When I discovered the error on XX/XX/XXXX as my other credit card company and family member confirmed it was XXXX XXXX card used not Discover, I immediately called discover back to advised know it was an erorr on my end and to re open the original dispute as the initial charges still stands and it was indeed fraudulent from the beginning. 
I was dealing with several family member deaths and my mind wasn't in a sound place as I was mourning my loss with my family/ loved ones. I have called 4 months in a row on this matter and I am beyond exhausted on getting this resolved. Discover has not provided me any Legal written documentation or proof providing I have did business with this company and they refuse to issue me back the {$400.00} charge. 

Per the recorded calls they don't even have a phone number or proper documentation/ proof to give me to call to contact this company about the charge, this is not a fair business practice I hope we can get this handled collectively here. I am seeing the {$400.00} to be credited back to my account. 

This is exhausting and it is causing me so much stress/ time and extra charges on my account. 
Thank you for your attention on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
ADDENDEUM TO XXXX, WE ARE ATTACHING THE PAYMENT LOG FOR XXXX XXXX XXXX. THESE PAYMENTS WERE TO BE APPLIED TO CURRENT LIEN ON FILE. WE DID NOT REALIZE IT COULD NOT BE FORMATTED WITHIN THE COMPLAINT BOX.

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
A credit was opened in my name that I did not create

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 2022-09-22 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: Block, Inc.
State: NY

Complaint narrative:
During the month of XXXX I have been charged multiple times by XXXX in NXXXX and have been denied service. The XXXX of XXXX told me to inquire with my financial institution. ( Cash app ) and they blatantly told me it's not their problem they can not do anything. Also was directed to wrong support. They did nothing to resolve issues and have been at many disadvantages and embarrassed because of their way of conduct. 

I do not know what actions to take to be reimbursed for the 10+ times they charged me and denied service.. 

It is only cash app that does this when paying for XXXX and they need to resolve the payments.. 

If this is happening to me imagine the millions in XXXX this is effecting.. 

Cash app needs to solidify this with XXXX or not be involved in the payments with XXXX Please get back to me about information on this case. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a text XX/XX/2022 stated that My credit card was approved. I never applied for a credit car since I already have one in the same company XXXX Bank of America ). I called them and asked them to removed it.

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