vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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:
Dear Equifax I see that you verified the account listed below : XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XXXX, my account total was {$9700.00}. I made a payment of {$6500.00}, which was intended to pay off the previous balance in full. However, instead of reducing my balance to {$3200.00} as expected, my XXXX statement shows the ending balance as {$9700.00}. This statement does not reflect the payment I made before the statement closed ( XX/XX/XXXX ), and as a result, I have been wrongly charged interest. Due to this incorrect statement, furthermore, I am unable to see my correct balance before it is due to be paid in full for XXXX statement. I have attached XXXX statement.

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 2023-12-06 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: PA

Complaint narrative:
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my 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 2023-12-06 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: PA

Complaint narrative:
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit 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: DC

Complaint narrative:
The transactions in question took place at XXXX XXXXXXXX XXXX XXXX, a merchant overseas that I visited in person. Upon attempting to pay with my capital one Venture card ending, I encountered a discrepancy. Although the transaction received approval on my cell phone, the merchant 's machine declined it. Despite informing the merchant and Capital One about the issue, the situation remains unresolved. 

I have attached evidence of my conversation with the merchant via XXXX, confirming that I resorted to paying in US dollars cash due to the card transaction issues. Subsequently, the merchant requested my passport for verification. However, it has now been a month, and I find myself charged three times for the same transaction, despite settling the payment in cash. 

I have diligently communicated with Capital One, but the problem persists. I understand the importance of timely bill payments, and I assure you that I am not seeking a free meal. This matter, however, is not a legitimate outstanding bill but rather an erroneous charge that needs immediate resolution. 

Having three transactions of the same amount from the same merchant on the same day should raise concerns and prompt a resolution. I kindly request your urgent attention to this matter and a prompt resolution to rectify the unjust charges. 

Thank you for your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: GA

Complaint narrative:
Myself and my wife were victims of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Bluebird is holding on to refund issued by XXXX for valid purchase in amount of {$50.00} made on XX/XX/XXXX. Refund issued on XX/XX/XXXX by XXXX. Refund received by Bluebird on XX/XX/XXXX and has been held since this date. Called Bluebird customer service number twice on XX/XX/XXXX and told by their overseas reps nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: VA

Complaint narrative:
On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. 

When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. 

Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. 

The company that I paid for the debt was not the creditor listed but a company called XXXX, XXXX, and XXXX. To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. 

Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXX of 2022.

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 2023-12-06 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:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-06 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 non-monetary relief
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent account XXXXXXXX XXXX XXXX  # XXXX that XXXX  from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting connection with acreditor insurance transaction that is not initiated by aconsumer. The FTC report is attached to compliment

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capitol one account should not be past due or anything I do not owe them anything. They actually owe me A few dollars. They report inaccurate information and then I have to pay for It by my credit score dropping tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/2023 I mailed citi bank a check to pay my credit card in full. the reason i mailed the check is that the line at there bank was to long for me to wait in and they do not have a night drop box. Please note my payment due date was the XXXX which was a sunday. 

One would think that Citi bank and all major credit card companies could automatically adjust there payment due dates on statements to the next business day when a due date falls on a Sunday or that they could check there post office box on the weekend. however doing so would cut down on there fee income. 

furthermore i suspect they will now try and charge me interest on the balance for paying on the first business day after the due date. I also suspect that there charging this {$41.00} fee is a violation on US postal regulations, note they mail me my statement VIA the USPS. 

You need to get this fixed as Citi bank and the rest of the XXXX banks are charging crazy fee 's that there systems could prevent by complying with USPS regulations which state they must us the post mark on the envelope.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My business is in the process of buying a property and need to get this rectified asap because its affecting my personal credit. We are a very successful business so I can pay it worst case, but Im prideful to pay for someone elses fraudulent transactions. 

I had fraudulent charges on my business card noticed when we were doing our P/L statement. It is clear as day these charges were outside of our typical scope of purchase. The business cards were very rarely used for anything outside of purchases that were made online or via internet application. As soon as these charges were recognized it was immediately called into the Chase bank and they were reversed. However, on the original call a few of the smaller charges were missed. This was simply focusing on amending the initial discrepancies noticed ( of course that being the larger transactions ). The mindset was as long as the bigger issues were taken care of we were willing to take the loss on the smaller ones, not realizing this would have cause any issues. Chase Bank then caught this randomly and rebilled everything because we didnt claim the smaller transactions initially. They requested we do a police report, so we did. 

We reached out to Chase bank ( spent a total of probably 48 hours on the phone with the bank at this point ) and they opened an investigation. We contacted all the merchants directly and none of them worked with us. Apparently one of the merchants ( a strip club ) the fraud took place told the bank that they ID before letting people use the card. We contacted the merchant and they provided no copy of an ID or anything. They clearly lied to the bank to keep the money. 

Now Chase bank is refusing to refund these charges ( totaling almost $ XXXX ). The banks response after submitting a requested breakdown of every transaction and police report was that we needed additional documentation. I asked what documentation could I could I possibly come up with as I have submitted every document possible and done everything possible. 

I had an XXXX credit score before this and is now hurting my credit significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN is a CORPORATION and a corroding to 15 U.S. Code 1692c - Communication in connection with debt collection It is against the Law for a CORPORATION TO CONTACT A CONSUMER. EXPERIAN emails at all kinds of disrespectful hours of the night or morning, ESPECIALLY after I file a report such as one from CFPB, and now XXXX has joined their party, Ive requested for the unlawful activities to be ceased and desist but instead I get flooded with letters informing of a monthly payment in order for them to stop I would need to pay them monthly. This is XXXX at its finest and it feels like CFPB is working with these XXXX XXXX XXXX XXXX, that call themselves a CORPORATION, EXPERIAN XXXX XXXX continue to break several codes, laws, and statuettes on an hourly basis and gets no repercussions for their ILLEGAL behavior. Multiple complaints of violating USC/UCC I demand monetary relief by 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] - ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-12-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently traveled abroad and utilized my TD credit card, which boasts no foreign transaction fees when I signed up for the credit card. I have returned and checked my statement to find multiple foreign transaction fees. I have reached out to the Credit Card Client Services and they initially claim that my card has foreign transaction fees. 

After further digging, the agent found that the terms and conditions of the credit card were updated as of 2021, but no formal notice/mail was sent to me. I was unaware any changes were made to my credit card. The agent stated that this information can all be found on the website. Still, I explained that I do not believe it is the consumer 's responsibility to check the website daily for updates to my credit card 's terms and conditions. These unethical practices were just the beginning of the nightmare. 

The agent did not attempt to resolve the issue but kept insisting that I go to a local branch for resolution and refer to the website for the updated terms and conditions. I am unable to make it to the physical location due to a medical condition, which is why I am reaching out to the Credit Card services via phone. When I asked to speak to a supervisor, she acted as an intermediate and dictated what her supervisor had said. When I wanted to file a formal complaint as the agent did not try to resolve any of my issues, she only provided me with her first name and no other identifying factors such as employee number. Additionally, I asked for the supervisor 's name whom she has been communicating with and she refused to provide it. Furthermore, I had asked to transfer to the complaint department and she said it was non-existent. Another 10 minutes go by and she provides a mailing address where I could send my formal complaint. I asked her to stay on the line while I verified and found inaccuracies in the address she provided. She made no further attempt to refute the address. 

The inconsistencies and misrepresentation of TD Bank with the credit card services and customer service agents have left me appalled by the business practices of TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: Chime Financial Inc
State: NY

Complaint narrative:
I experienced a case of credit theft following the vandalism of my friend 's car. The thieves managed to access my Chime account using my stolen card and subsequently changed the PIN. They proceeded to withdraw money from an ATM and even transferred funds from my account to themselves. Although I was able to block one of the transactions and recover my money, Chime has been uncooperative in refunding the remaining unauthorized transactions of {$2500.00}. Despite providing ample documentation and proof, they have consistently denied my claims, often responding with automated messages. 

Upon researching online, I discovered that many others have fallen victim to similar fraudulent activities by Chime. In fact, there is a group currently pursuing legal action against the company, which I intend to join if my refund is not promptly issued. It is evident that Chime is not adhering to the regulations outlined in Regulation E. Additionally, they have failed to conduct thorough investigations, as evidenced by their swift dismissal of my case within a mere three hours, without considering the clear evidence of fraud.

Company response to consumer: Closed with explanation