vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is my second request to file a CFPB complaint. The current status should not be showing late because I paid it on time. The Credit Reporting Agencies lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The XXXX and Transunion Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct this account immediately : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$7200.00}.

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 2023-07-15 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: CA

Complaint narrative:
I'd like to complain about Capital One Quicksilver Credit Card. 
Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute. 

I purchased 3 airplane tickets on XXXX on XXXX XXXX, 2023 for traveling in XXXX, 2023 for the amount of {$10000.00}. 

E-tickets I received were fake and can not be used when I tried to confirm with the airlines directly. 

I informed the merchant and was told that problems would be fixed. Two weeks later, nothing happened so I asked for full refund. 
I was promised full refund ( in writing ) which never came. 

I have all the communications with the merchant in writing. 

I opened dispute with Capital One on XX/XX/, 2023 and they sent me a letter in XXXX saying that since merchant did not respond, case is considered closed unless they receive correspondence from the merchant within 90 days. If that's the case, then I would need to provide further documents proving my case, which I fully agree. 

In the meantime, I received an email from the merchant telling me that their company was under audit by the airlines so all the tickets were being on hold so can't be used. They asked me to cancel the dispute and they will issue me vouchers for future use. 

All that seemed like scam to me so I refused to be fooled twice. 


I called and informed Capital One on XX/XX/XXXX about the emails merchant sent me and I offered to forward to Capital One but they told me that they did not need any documents from me. So I assume they will do proper investigation and I wouldn't be financially liable for scams. 


Just today, XX/XX/XXXX, I am very surprised to discover that Capital One charged me {$10000.00} again, for no apparent reason. They did not ask me to provide any documents. No email or mail notification. Nothing! The charge just showed up again. 


I am not sure if there's any connection but I did the survey Capital One emailed me and I said I would not recommend Capital One to anyone. 

In summary, Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from Wells Fargo stating they decreased my credit limit from {$4300.00} to {$1800.00} for the following reasons : Late Payments or Negative record 12 months Too Little time since credit card opened Recent Late Payments on my credit report The letter states the decision was based on my consumer credit report. 

It also states my current score is XXXX ( score range from XXXX - XXXX ) When I called Wells Fargo on XX/XX/2023 and told them none of the above was true, I never had any late payments on my credit report from any on my credit cards including Wells Fargo. I was told it was because my bank checking accounts had showed bad banking history.

I do not owe Wells Fargo any money for fees as they take their money for NFS fees when I go negative. I havent paid them excessive fees for NFS and truly believe that this action is racially motivated on behalf of Wells Fargo.

My credit utilization across the board is an average of 26 %. Now that Wells Fargo has lowered my limit, my utilization with them shot up to 76 %.

This is an direct attack to damage my credit rating. The letter I received is slander and nothing on the letter is true. The letter should of reflected what I was told by the credit card Department representative. 

This is a XXXX attempt to destroy my credit rating I work hard to establish. I am an XXXX XXXX XXXX and this is systemic XXXX  as well discrimination we continue to endure in this country.

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 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
credit account company reports that I didn't pay a balance of a credit card in 2016 when I was only XXXX XXXX XXXX XXXX. account information is not accurate and to my understanding people under XXXX are not even able to pull credit cards out.

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 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a credit card with HSBC bank in XXXX had insurance on this card to cover if I lost my job or was ill. In XXXX I got really ill was unable to pay no help from the insurance part the card was switched to XXXX XXXX because HSBC did away with credit cards so it went to collection. In XXXX I had a collection company contact me I paid XXXX for this account the bank account that I had I no longer have nor is this card on my credit. Now I have a company calling me saying I am being sued over this account that it was open in XXXX which I ask how do cards get reopened when it isn't on my credit report nor do I get notifications. When I called the number I am being contacted from I ask how every 7 to 10 years I am being contacted and it's no longer on my credit and they should look at the collection company that took my money for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a Loan Modification on XX/XX/XXXX and XX/XX/XXXX and I was denied on XX/XX/XXXX and XX/XX/XXXX. I was struggling to pay my mortgage due to COVID-19 my job was shut down with the XXXX XXXX XXXX XXXX XXXX I second job I was XXXX XXXXXXXX XXXX and my hours were reduced. 

I was dismissed from Bankruptcy Court  XXXX XXXX on XX/XX/XXXX. I had a pipe to burst in my master bathroom and my home had mold and mildew in XX/XX/XXXX. On XX/XX/XXXX Hurricane Sally damaged my home. So, for three and half years I was fighting with my insurance company, and I was getting denied. I had to hire a public adjuster to assist me with my claims prior to my dismissal from my BankruptcyXXXX XXXX ; however, I called US bank to schedule four payments to come out of my bank account every two weeks and it would have taken care of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX called US Bank and the representative canceled all four of my payments. On XX/XX/XXXX, US Bank sent me a return payment in the amount of {$230.00} dollars, and a second check on XX/XX/XXXX, in the amount of {$510.00}. In my restricted escrow account, there is a reminder {$17000.00} and my past due mortgage from XX/XX/XXXX, to XX/XX/XXXX, is {$17000.00} to bring my mortgage account current. I wrote US Bank Loss Draft, and they verbally informed me since I have a sell date of XX/XX/XXXX, I can write a letter and explain how I want the reminding amount of my claim funds to go toward my past due mortgage. I am aware of my payment for XX/XX/XXXX, I can pay my XXXX  mortgage but I did request a reinstatement so I can bring my mortgage current. US Bank Loss Draft Insurance Department stated that my letter was approved but the Supervisor will have to contact US Bank which is my lender so that all the funds can cover my past due mortgage. I will call US Bank Loss Draft Insurance Department on XX/XX/XXXX, to see was my claims moved over because I became a homeowner on XX/XX/XXXX, and it will be 15 years on XX/XX/XXXX. I worked hard to purchase my home and I have all intentions to keep my home.

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 2023-07-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX XXXX address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm XXXX credit report proper date of birth : XX/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 non-monetary relief
Consumer complaint received 2023-07-15 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: SC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} SOC SEC ADMIN XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-15 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: SC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} SOC SEC ADMIN XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX  XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-07-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

XXXXXXXX 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: LA

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.

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 2023-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXX XXXX  XXXX Balance : {$23000.00}

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