vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly.

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports.

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process.

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting.

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being.

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.

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 2023-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This company has been informed as soon as I noticed the identity theft. Still no luck with getting the items removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am a current Chime account holder and have attempted to resolve this issue since late XX/XX/2023. After returning from out of town travel during the weekend of XX/XX/XXXX, I learned that someone had accessed my Chime account and attempted to make a purchase. Chime did not notify me of the attempt to access my account, despite having my account set up to receive text notifications for any purchases. Not until I contacted them directly was I informed that a hold had been placed on my account. This occurred on or about XX/XX/2023. On the call with Customer Service, I was informed that there would be a XXXX day hold while they investigated. I was also advised that there was no way for me to access my funds during this time. I was instructed during this conversation to verify my mailing address and that a new Chime card would be issued to me. Over the past XXXX weeks, I have contacted Chime on at least XXXX separate occasions haven spoken with both Customer Service and also requested an escalation as I STILL have not received my new card nor do I have access to the money in my account. I have been told repeatedly that the card is being sent. I have also been instructed that the card was being sent via overnight mail ( two weeks ago ). As recently as Saturday, XX/XX/XXXX, I spoke with XXXX, who indicated that she is a Supervisor. Her phone number is XXXX. This was the third time that I had spoken with her about the status of my card. After threatening to report Chime 's business practices to the appropriate regulatory agencies, XXXX indicated that the card would be sent via overnight mail. On Monday, XX/XX/XXXX, I requested the tracking number for the overnight shipping of the card. I have checked for the past XXXX days and the tracking shows no updates. Chime has repeated lied and failed to take the appropriate steps for me to be able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three credit reporting agencies are reporting derogatory/inaccurate accounts on my consumer credit report. The accounts are listed as " charged off '' but I have never received a 1009C ( Cancellation of Debt form ) showing that the debt was cancelled. On XX/XX/2023, I reached out to each credit reporting agency regarding this matter, but nothing changed. The last date reported on some accounts are XX/XX/2023, so the inaccurate accounts have continued to be reported-even after the dispute. A couple of the accounts are showing the same account number but a different balance. I have copies of the letters that I sent to each credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You responded to complaint XXXX and stated that the company verified the account. I have attached my most recent dispute letter that was sent to the company which is dated and time stamped. Please provide what the company submitted as proof for this account because I was never sent any information. I am demanding that this account be removed from my credit report until an investigation is done and the company has responded to my dispute.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX Date of Birth:XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ XXXX / Experian XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / Experian XXXX XXXX XXXX credit report : Dispute XXXX : The alleged charge-off of an obligation with [ XXXX XXXX XXXX  ( original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-28 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: NJ

Complaint narrative:
I purchased XXXX travel vouchers ( {$500.00} each ) with XXXX ( now out of business ) for ecotravel that gives back to the community it serves. The travel vouchers were to be used by myself and my XXXX adult children. I purchased the vouchers on XX/XX/XXXX, as a XXXX gift, with my Capital One credit card. 
The vouchers were to be originally used towards a trip to XXXX in XXXX, for myself and my daughter, and the remainder vouchers were to be used on a later trip, by my XXXX sons. The trip to XXXX was cancelled by XXXX, due to international covid travel restrictions. The company promised the vouchers would be available for later use, once the pandemic subsided. The following year ( XXXX ), XXXX experienced the worst of the pandemic and that crushed another planned trip with XXXX for us. XXXX reassured us that the vouchers would remain valid for future trips. 
The XXXX went into liquidation in the fall of XXXX, as they apparently invested the monies received for trips that never materialized in XXXX and lost millions of dollars that belonged to unsuspecting consumers, like myself. There will be no refunds for any of us, from XXXX, as it no longer exists. 
I sent a letter of appeal to Capital One in late XXXX, disputing the charges and requesting a refund. While the company investigated my appeal, they returned the {$2000.00} plus interest charged. They asked for further documentation, in order to continue the investigation and gave me a month to do so. At this time, I was traveling back and forth to help take of my XXXX father ( out of state ) and did not return the documents, in the time given. My father passed in XXXX and Capital One returned the charges to my account again. They suggested that I attempt to collect the money from XXXX, a company that no longer exists and is still in liquidation process. Capital One has informed me that my case is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX Date of BirthXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ XXXX / XXXX XXXX Transunion XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / XXXX XXXX Transunion XXXX credit report : Dispute XXXX : The alleged charge-off of an obligation with XXXX XXXX XXXX XXXX ( original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Date of BirthXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ Equifax / XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ Equifax / XXXX XXXX XXXX XXXX credit report : Dispute 1 : The alleged charge-off of an obligation with [ XXXX XXXX XXXX XXXX original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have repeatedly contacted ELAN FINANCIAL SERVICE to dispute an inaccurate debt they are reporting as belonging to me. I have requested verification of the debt on several occasions and the company has refused, saying they do not need to verify anything with me. I requested they only contact me by mail and to provide a verification of debt as recently as XX/XX/XXXX by calling them at their listed contact of ( XXXX ) XXXX and again was refused verification. I have disputed this with XXXX and XXXX, where I was informed that they don't actually require any documentation of the debt to confirm it's legitimacy, they just rely on the company stating the debt is verified. All my disputes are marked as debt confirmed but have no documentation attached. I believe this is a wilful violation of the Fair Debt Collection Practices Act.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received promotion mail from Truist bank. The promotion was that I will receive {$400.00} if I open my account and have 2 direct deposit of totaling {$1000.00} or more within 90 days of account open. On XX/XX/2023, I opened the account using the promo code that was mentioned in the promotion letter. I didnt get confirmation or acknowledgement that promotion was applied or not. Because of this confusion, I called Truist bank customer care on XXXX and informed them the same. The agent checked and informed me that promotion was correctly applied, and I should be getting promotion after meeting the conditions. I made 2 direct deposit transaction one on XX/XX/2023 of {$1000.00} and another one on XX/XX/2023 of {$10.00}. This should qualify me for the promotion. I called Truist customer care today ( XX/XX/2023 ) to verify the same. I was shocked when the agent informed me, I didnt do my qualifying deposit though she confirmed my current balance is {$510.00}. I asked her to check the transactions again as I can see both the transactions in my account. She keeps on stating that I didnt have any direct deposit other than {$10.00}. Then I asked her to check why I have balance of {$510.00} when I didnt make the any deposit according to her. Then she went back and checked with someone else and stated to me that she can see the deposit, but it is not qualifying deposit, so I didnt qualify for promotion. I was in complete shocked. I said it is direct deposit as it came from my employer, and it is qualifying transaction. She was resisting it. Then I asked her to connect me to her supervisor. I was connected to supervisor after few minutes. I explained her all the things, then she checked on something and informed me that promotion wasnt applied at the time of the account opening, so my account doesnt qualify for promotion. I said you can go and check the recording of XX/XX/2023 where agent checked and confirmed me that promotion was successfully applied to my account. I am very disappointed with the service. She told me she is going to submit request to check the recordings and it will take about 25 business days to hear back from the backend team.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This public record is being placed on my credit report by mistake. Experian is mixing someones information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express advertised and emailed me a promotional offer for XXXX XXXX points when I opened a new credit card with them and spend {$2000.00} within 3 months. I applied for the card in late XX/XX/XXXX and opened it successfully, nowhere in the application process did they mention the promotional offer would not be available for me. 

I have now successfully paid the {$2000.00} but Amex refuses to offer me the points. 

I have text evidence from early XX/XX/XXXX where an American express representative confirmed the bonus amount on my card. Now today XX/XX/XXXX when I checked with American express they claim retroactively that I did not qualify, which I believe if both a lie as well as fraudulent advertising. They have already charged me close to {$100.00} in annual fees and earned many dollars from their merchant transaction fees on my account.

Company response to consumer: Closed with explanation