vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: DISCOVER BANK
State: GA

Complaint narrative:
I would like to formally express my deep disappointment and concern regarding the recent handling of a transaction dispute by Discover. As a longstanding and loyal cardholder, I am dismayed by the lack of thorough investigation into the matter at hand. 

It is disheartening to find that such a situation has arisen, particularly given my history of responsible card usage and prompt payments. This incident has forced me into a position where I must take the step of filing a public complaint. 

I believe that a credit card company with a reputation as reputable as yours should uphold the highest standards of customer service and investigative diligence. This recent experience has regrettably fallen far short of those expectations. 

I sincerely hope that my concerns will be taken seriously and addressed promptly. My intention in filing this complaint is not only to rectify the situation but also to help ensure that such oversights do not occur in the future, both for myself and for other loyal customers who place their trust in your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
They are charging excessively on the interest where I cant pay down my debt even this year Ive paid almost 2 thousand in interest for {$4000.00} debt. Its criminal what capital one is doing and not even being able to help even though I have a prefect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Wednesday XX/XX/2023, I got an email saying I have a major inquiry on my credit report, I open my bank app to see and my credit score has went down by XXXX points, the company name was CREDIT MANAGEMENT LP, I had do idea what this was all about, I tried calling them and asked why did my score just went down so much I dont even know you guys, they said because of not making a payment on a XXXX XXXX, I was so confused, I dont even have anything XXXX, I didnt recognize that at all, apparently I owed them {$100.00}, so I made the payment, I didnt know what to do, Im already struggling a lot financially ever since my dad abandoned me, I dont even have a place, and now he messed me up with this, they told me my previous address where I used to live with my dad so my guess is he used my information for maybe the internet bill without even telling me, I had absolutely no idea I was even on something like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: MI

Complaint narrative:
My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  Account number- XXXX Account name : XXXXXXXX XXXX Account number- XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX XXXX Account name : XXXX XXXXXXXX Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name : XXXXXXXX XXXX XXXX Account number- XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I have received multiple texts from this company. 
I have requested for the texts to stop, such as reporting as junk ( with the iphone ) and have replied STOP to stop the text notifications. 
On XX/XX/23 I received a text from this company at XXXX XXXX  EST advising me to contact them regarding an important matter. 
I know which from doing debt collecting myself, that you CAN NOT contact someone that time of night regarding a debt. 
This company is in direct violation of the FDCPA and should be reprimanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I saw an unknown credit card on my credit report from XXXX XXXX XXXX, which I did not apply for. I reached out to Transunion and filed a dispute on XX/XX/. They completed their investigation on XX/XX/XXXX  and said the account is verified as accurate. I reached back out to Transunion again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the la

st 4 digits of the credit card which I do not have. The consumer credit report that I received from Transunion doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-08-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.

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 2023-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital One Walmart Credit card is the company. 
It started when our online account was hacked for over XXXX dollars. They made it horribly impossible to get it taken care of. 
I have requested payoffs that they say they never recieved. I got a loan through XXXX XXXX XXXX XXXX to pay off the Wal-Mart card with capital one. 
The check was mailed on XX/XX/2023 from XXXXXXXX XXXX to Capital one on 2 different accounts as well as other credit companies we had. Everyone recieved and cleared on the XXXX of XX/XX/2023. All except Wal-Mart capital one. 
I called again today to request another copy via email as well as paper. They still on this day the XXXX of XXXX claim they have not recieved the payoff check, at that time was for XXXX. 
I now have a missed payment, late fee as well as outrageous interest occurring totalling XXXX. 
We have been trying to get away from this company since our accounts was hacked from another state with people using our account to do in store pickups. How that was even possible without proper identification is beyond me. Made me think it is inside jobs going on. I feel they intentionally haven't sent that check through their system so they can occur more fees and interest at 27.99 % please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc
State: CA

Complaint narrative:
recently when I was yelling at kroll reps on the phone and i was told they didn't have any information about me, and I needed to submit XXXX  documents to them. now it comes out that they had information about me and were " hacked '' and leaked it. i have already been receiving threats due to the criminal conduct of XXXX/kroll/XXXX/XXXX etc . I demand to know what information they had, and who " hacked '' it. ( or more likely who sold it to whom ) I also want kroll to start paying me for a personal security force to defend myself from bodily harm due to their criminal actions and negligence. Was the information " hacked '' by a state actor?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I had a XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX Missouri. I was informed that XXXX XXXX turned my medical debt over which I was paying them {$100.00} a month and they turned it over to a company called CACI. CACI contacted me via phone And asked me what payment I wanted to make on the loan since XXXX XXXX had sent it over to them. I informed them I was paying {$100.00} a month on a {$7900.00} debt which is now XXXX. I then made payments on time every month and I never missed a payment and I was always on time as it was agreed-upon by CACI to automatically withdraw from my bank account. CACI agreed to {$100.00} a month and I paid every month consistently. I made a report to the XXXX because I found on my credit report that they had put a non-collect a debt even though I was making payments on time. My credit report dropped XXXX points, CACI responded to the XXXX  and stated yes Ive made my payments on time consistently every month but until they get the debt paid in full, that will be remaining on my credit report and they will not take it off until it is paid in full. They never communicated to me. They never asked me if I could make a higher payment. They never called. They never sent any written messages. I want this removed from my credit report immediately because I have made payments on time to the agreed-upon amount by CACI. This is a XXXXXXXX XXXX and this is a strong arm tactic and they never notified me. They never gave me any information about the bill even though I requested it and I requested it again on the XXXX Please assist!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: LA

Complaint narrative:
Never had an account with XXXX XXXX or XXXX and I did not apply for any of these inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-25 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-25 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have changed my card number on my Apple Card as I was trying to get in financial shape and informed the customer care not to have any recurring payments carry forward, they have agreed to it at the time but and it was declining few of the transactions in the beginning which I saw on the statement after that, so since I knew it was working I didnt thought of the balance as I know I will only have to pay if I make a purchase, and I was in control of my finances, but they allowed two transactions carry forward from the old card from last year I guess that was even before a year I did business with them, since I was confident about not having to check my statements often because of the new card I didnt notice, until today I got a mail I dont normally look at the advertising email but luckily I found that they have charged my card and is being charged today for a second time when I looked the credit card statement its on it, when I spoke to the customer care they mentioned, they have no power to block merchants, so where is my safety? Anyone can come and take the money and I have to be responsible for it, since I am a realtor and know few lenders and mortgage brokers and also trying to be a Mortgage broker I knew about CFPB I dont know how many people are going through this, what I have learned in NMLS is that I have the power as a consumer to ask the bank to not to continue a payment on my credit card unless I authorize but this bank seems like they dont care about the rules or correct me if I am wrong as well please, but pls let me know where was I wrong, what should I be doing so that it wont happen again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: NM

Complaint narrative:
this company has not provided proper debt validation. response was sent to company in XXXX ( attached ) and nothing was provided back. initially there is no documentation provided even telling me this debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My name is wrong my physical address is wrong its just false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Once again XXXX us reporting inaccurate information about this same lender Citi ( CBNA ). 
I am submitting the information fron the lender statement about my account as well XXXX credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. 
This is an on going scenario with XXXX and as a result i have lost a number of credit opporunities due to this. 
It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XX/XX/2023, XXXX in response lowered my credit score XXXX points. In addition a XXXX suggestion of paying down my XXXX XXXX XXXX account. After doing so they lowered my credit score an additional XXXX points. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!

Company response to consumer: Closed with explanation