vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: AL

Complaint narrative:
Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I reviewed the accounts on my credit report and noticed that they are not mine and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I would like to terminate my lease early with US Bank, as permitted by my lease agreement. I have called multiple times, and each time they asked several questions and assured me that I would receive a call or email with the early termination quote and process within XXXX business days. However, I still have not received any communication from them after XXXX weeks. It is clear that US Bank is not fulfilling its obligation regarding the early termination process outlined in the lease agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had to file a report with law enforcement on Friday, XX/XX/year> due to the buyer attempting to commit fraud. The device was delivered in PERFECT condition, exactly as described. The video that the buyer uploaded shows XXXX scratches and XXXX problems. There is a tiny bit of dirt on the corner, which can safely be wiped off with a wet cloth. 
The buyer demanded a proof of purchase, I provided it. The buyer accused me of lying about the warranty, then found out I was correct and apologized to me. The buyer accused me of the phone having wear and tear, you can see in the photos and video that it is flawless. The staff at the XXXX XXXX never said to be " cautious '' with it, that is a complete lie. If they did say that, please upload documentation proving that. There is nothing wrong with the charging port, and the buyer is trying to lie about a problem that doesn't exist. The XXXX staff have informed the buyer multiple times the transaction is binding. The buyer also used a fake address for this order and has a past history of scamming multiple people by filing fake disputes. There is nothing wrong with the device and this is a classic case of buyer 's remorse. The website, XXXX, has taken my side and suspended the buyers account. The buyer admitted, in the screenshot attached, that it was just dirt on the phone and NOT dents. The marks are gone after cleaning, which is exactly what I said would happen! The buyer still refuses to provide any sort of documentation from the XXXX XXXX that the charging port is worn, damaged, or broken. Its a complete lie. The device is in excellent condition. He committed fraud and will pay the return postage. I am not paying. Hes a criminal, has been reported to the police, and a restraining order is being filed. The buyer is paying the return postage or will not be getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my third complaint about the same Wells Fargo bank on XX/XX/XXXX. Someone used Wells Fargo to call us and tell us we are being fraud against our two checking accounts. I reported this to Wells Fargo claims twice each time I have been denied. I will continue to use this site to draw attention to Wells Fargo for not refunding our money which is covered under the federal law each time I do this claim they call me or write me a letter telling me that theres nothing they can do. The claims department is blaming us for authorizing the withdrawals from two different checking accounts, its clearly fraud and Wells Fargo refuses to pay us back the money owed that they allowed to happen. Next time I am denied. I am going to hire attorneys and resolve it that way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have hard inquiries on XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank And I have hard inquires on XXXX XXXX XXXX XX/XX/year> Capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The account listed below is a result of identity theft please delete this account with in XXXX business days this account was not opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: AL

Complaint narrative:
I paid my credit card bill off in full back on XX/XX/year> for over $ XXXX. It turns out US Bank diverted my payment to new charges I made and did not allow that pay off to pay off the longstanding extend pay I had. That came from 2 representatives on a recorded phone line. 
They both said the money was put to new charges and did not pay off the extend pay. The supervisor said it was because I was " locked in '' to the time frame of the extend pay. 
Why does the gov allow these despicable companies to do this - to divert my money to charges that were brand new instead of paying off the extend pay so US Bank can get an extra {$3.00}? 
Poor poor US Bank- maybe one day these XXXX people will finally have enough money after they have robbed us of all of ours. 
And XXXX you US Bank for your awful customer service- as usual!! 
Too bad you're not investing all of the money you've stolen from your customers into training your XXXX staff. 
I want my {$3.00} back!!! 
Also, the company has a history of fraudulently charging interest when I have paid my bill in full every month. 
They have had to reimburse me twice- and it's probably happened more than that since this company is clearly despicable, unethical, and criminal.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have credit inquiries on my credit reports that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX dispute hard inquire I was pre approved then denied XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX dispute hard inquire I was pre approved then denied XXXX XXXX XX/XX/XXXX closed account paid in settlement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I have asking to company to previously to remove this account off my credit profile because I do not have a account with this company and I have previously asking this company to stop harassing me about a account that is not mine. Under the fair credit reporting act I have a right to previous its my right to ask for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address listed on my report, which is again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is again XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX The correct employers is XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Southwest Airlines is running a credit card advertisement on their website that says faster way to earn status register here. It takes you to the credit card application. I have screenshots. XXXX here

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Apparently, Kohls was taken over by capital one. i received a letter indicating i had a " new kohls rewards visa '' and that the " new earning power '' would start on XX/XX/year>. this mailer came with {$15.00} kohls cash. A few days later, i received a new bill from capital one/kohls telling me i owed XXXX with a new interest rate of 31.24 %!!!!!! THAT IS THEFT. First of all, i do not believe i owe this amount but i can not tell you for certain because they will not let me log in to my account. the last time i used the card I believe it was XXXX or XXXX for less than {$230.00} as I was purchase some on sale fiesta ware for my mom. i have been trying to access my account to pay any remaining balance immediately due to that insane interest rate. they are charging me interest rate while refusing me access to my purchase history, XXXX think they transferred an amount much more than what I actually owed and now they are charging me insane interest and won't let me access my account to pay off the small amount. when i called the number on the letter from capital one and asked that my last purchases be text to me, all they test me wasXXXX : interest charge {$16.00}, XX/XX/year> automatic XXXX and the same for XXXX. i then sat on hold to talk to someone who repeatedly told me he couldn't " find '' my last purchase for product and only could see interest charges. when i told him i absolutely needed my last purchase because I could not get into my account, he put me on hold, let me sit for XXXX minutes then disconnected me .when i try and access my kohls charge online i repeatedly get this message, " this user account is locked, please reset your password. '' i reset my password, and get XXXX same message. when i finally get in, it says, to access your statements connect your new card and will not allow this either. I want to pay off this amount, get a refund for at least the last month interest charge, and verify my amount owed. I did not have a XXXX plus balance on my kohls card. this is fraud being committed by a massive corporation. XXXX only knows how many people they are doing this to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This is in reference to case # XXXX, You closed my case without any resolution or follow-up and you need to reopen it and advise what action has it is being been taken against Citizens Bank who severely XXXX XXXX me by refusing to allow me to access my account out of malicious retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
During year of 2022 month of XXXX my credit line was increased to {$12000.00} after maintaining a excellent credit history since fiscal year XXXX on credit card acct # XXXX. My payment history has always been excellent and without late payments. During the month of XX/XX/XXXX American Express Credit Card Co without reason decreased my credit line to the amount of {$5500.00} which at that time increased my credit utilization very high. Then again on XX/XX/XXXX they decreased my credit line again to {$3300.00} which at that time almost gave me 100 % card utilization which in both cases had a negative heavy impact on my credit profile which has caused extreme stress and emotional distress. 
The same sequence of events was done with XXXX Amex credit card acct # XXXX which in XXXX XXXX had a credit line of {$2500.00} then was increased to {$3300.00} in XXXX XXXX. After excellent payment history AMEX Credit card company decreased the credit line of this card to {$300.00} on XX/XX/XXXX which again impacted my credit score very severely causing more high credit utilization of almost 100 %. Both these occurrences caused extreme stress and emotional distress, higher interest rates on future loans, reduced access to credit, and a damaged credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXX, Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXX XXXX XXXX XXXX did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.

Company response to consumer: Closed with explanation