vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 I purchased a gift from a company which turned out to be from XXXX. As usual I never received the items and called my bank to report this. I was transferred to an " XXXX '' call center somewhere in the XXXX and received the most disrespectful and rude agent I've ever had. I asked the young man to please file a dispute on my behalf and after XXXX minutes I was told that the dispute was resolved and I would see a credit on my card account in a few days. That never happened and I figured it was because of this young man disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I applied for the CitiBank Costco XXXX card and was denied due to : - Delinquency - Too Many Hard Inquiries - Insufficient Accounts - No credit Available The decline letter stated this information was acquired from XXXX Credit Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Disputes with the company on XX/XX/XXXX and they updated the account with no verification. however I sent a letter back on XX/XX/XXXX and they continue to not verify the debt, however they also sent the letter out on XX/XX/XXXX when I haven't even sent the letter for the follow up. They lied about the timing they sent their mail. They sent me a letter of the amount being owed but still no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others 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 non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Follow up to multiple cases numbers. 

I have met with the Capital One Advocate group after many standard negative letter responses. 
First thing this group is for Capital One not a advocate to support Customer satisfaction. That is lip service. 
I have dealt with other advocacy groups but not one like Capital One 's that are negative toward the customers needs. 
I had wrote a letter to Capital One 's CEO in XXXX and it took XXXX weeks to get the CEO office to respond. That was irresponsible and unprofessional. 

In the meanwhile, I talked to a senior member of the customer service team who was willing to get my cashback, but She said her hands were tied since it was going through executive review. 
When the advocate person contacted me, I pointed out gaps in her research. 
-No disclosure at time of application -incorrect review of my credit report. my credit was 800 plus - Discrimination because other customers got their cashback reward when they had more than one Capital One credit card. 
to name a few gaps. 

The advocate was to listen to our telephone conversation with her manager and talk to the senior customer service employee and get back to me with a positive solution. I told her to have her manager be creative with a positive customer solution. That is what managers are paid for. 

I got the same standard cookie cutter letter. Just another negative response with no positive outlook for the customer. 
I met all criteria making {$500.00} in credit card charges before 90 days. 
Outstanding credit rating. 
Capital One owes me the {$200.00} cashback. They can make up stories and be dishonest but they owe me {$200.00}. 

I talked with another bank about their cashback credit card. They said I could have 2 credit card accounts and I would get cashback with the new card. I mentioned my bad experience with the Capital One cashback card without mentioning Capital One. The person gasped and said that was not their policy. 

I talked to several other Capital One Cashback credit card customers they battled Capital One on receiving their {$200.00} cashback too, it was a long drawn out ordeal. There is a pattern with Capital One not honoring their responsibility sending {$200.00} cashback  to customers. Its a ugly unethical problem. 

I want this documented so other future customers are aware. Capital One should be ashamed of their actions. They were unethical. 

I have left the credit card idle with no activity. I used other bank cards, Capital One could have got those transactions and made good money but why reward them when I did not get the {$200.00} cashback. 

I don't want a response from Capital One. Their response does not solve the problem. They need to think through what they write and come back with a positive solution for the customer. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive contacted TransUnion about the XXXX XXXX Account number : XXXX that was added to my report with out the it being verified I submitted my first complaint in here on XX/XX/2022 it is complaint number XXXX another complaint on XX/XX/2022 where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. TransUnion has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. 
I want documentation as to why and when account # XXXX was removed from my 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 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/XXXX, my wife and I reviwed our statement from Barclaycard covering the time period from XX/XX/XXXX to XX/XX/XXXX. The statement was XXXX pages long and included many transactions that were repeated XXXX or more times as credits to the account and then as debits to the account. And, the original dates of some of the transactions went back months before the statement period but then showed new posting dates within the statement period. We each called Barclaycard several times over the next couple of days to ask for a new, accurate statement. They did not provide a new statement. Instead, they sent additional copies of the same statement. They promised us that they would not charge any interest or late fees on the account until they were able to provide us with an accurate statement. We have called to follow up at least once per week for the last month. Barclaycard promised that with our next monthly statement, they would correct the problem. They did not correct it. Instead, when we received the statement covering XX/XX/XXXX to XX/XX/XXXX, it had similar problems with mulitple transactions repeated as credits and then as debits to the account. It also showed a large interest charge. When we called to complain, they claimed that the interest charge was removed and promised to send new, corrected statements for each of those two months. They sent new statements but they were exact copies of what they had already sent us. We called to complain again and they said that the problem was being reviewed and they could not tell us when it would be resolved. They again promised not to impose any interest or late charges and agreed that we had no way to accurately determine what we owed- but it is not clear if they will follow through on those promises. More than a month and two billing cycles strikes me as an inordinate amount of time to correct inaccurate billing statements and provide accurate ones. They have claimed this was all due to a system upgrade and we have talked to several supervisors, but there is still no resolution or timeline for a resolution. I don't know how to get them to provide accurate billing statements so that I can pay what is owed other than raising this complaint.

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 monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/2022 Company decreased limit by XXXX XXXX before statement period after paying the credit card down substantially. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. Company doesn't even have a document regarding this decrease in my account.

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 2022-03-13 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: IA

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-03-13 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive contacted Experian about the XXXX XXXX Account number : XXXX that was added to my report without it being verified I sent several letters in XXXX and submitted my first complaint in here on XX/XX/XXXX it is complaint number XXXX another complaint on XX/XX/XXXX where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. Experian has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. This is the third time Experian has denied this account ever being on my report. I have a letter from Experian which I will be attaching concerning this account and my most recent report where the account is NOT there but no explanation given of it being deleted!

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 2022-03-13 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: TX

Complaint narrative:
Ive put in several disputes to Transunion directly, to correct the misspelling of my name, incorrect employer info and to have XXXX accounts that have either been discharged/cancelled by the creditor ( I have cancellation of debt receipts to prove it and have sent them in to transunion ) or there are accounts over 7 years old and should have been removed already, even according to transunion a ETA for when the debt will be removed. This is causing a 50 POINT difference in my transunion score from my XXXX and XXXX score.and Every time a dispute is pushed through, I go to check the status and it tells me I have no active disputes. I have never received a notice by writing, phone call, or email, with dispute results. Ive just never heard back from them, ever. Transunion is supposed to answer within 30 days and has never answered me in over a year.

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 2022-03-13 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: IA

Complaint narrative:
The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent and unauthorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.

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 2022-03-13 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: IA

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XXXXXX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.

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