vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XXXX, XXXX I received an invitation from Discover it credit card company, informing me that I am amongst the few to qualify for this offer. And thanks to my credit history and hard work, they are inviting me to apply ( They included a special invitation code word with the offer. ) I have access to XXXX XXXX dollars in credit through various other credit card companies. My credit is excellent. And so before I decided to officially apply, Discover it had sent me an email also to prequalify without impact to my credit score. So I did prequalify and again they assured me that I pre-qualified and encouraged me to apply. 

But when I did officially apply, they came back with a denial. I was shocked and felt extremely deceived! The worst part is this is the second time they did this to me in one year. From the research I've done, Discover it is doing this to many other XXXX veterans and people of XXXX. This is exactly what XXXX XXXX was doing also. 

I've spent countless hours trying to figure out why they denied me. No one can tell me, and they simply told me to wait for some letter to arrive in the mail. After a couple of more phone calls I got to speak with some supervisor telling me that I was denied because I had a couple of credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This collection account is paid in full with {$0.00} balance however NCA and XXXX continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. XXXX always comes bdvk within 7 days as verified with no documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FCC Finance, LLC
State: NC

Complaint narrative:
This account is currently closed. While I was impacted but COVID I was on a forbearance qnd they still reported missed payments. Was told these late payments would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
This collection account is paid in full with {$0.00} balance however XXXX and TransUnion continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. TransUnion always comes bdvk within 7 days as verified with no documentation as requested.

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 2022-10-02 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: FL

Complaint narrative:
XXXX and TransUnion say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED

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 2022-10-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX XXXX5 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 a account without my written instructions 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 other 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate items on my credit report ... on account number XXXX it states in TransUnion that i opened this account on XX/XX/2020 but yet XXXX and XXXX  states it was open on XX/XX/2020 therefore due to that error this must be DELETED from my credit report immediately...

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 2022-10-03 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Booked flights with XXXX XXXX for my wife and I to XXXX in XX/XX/2021 with Chase travel. Due to Covid numbers increasing, we decided to call Chase and cancel the flights. They assured us that the cost would be credited back to the account within 6-10 weeks and we should receive an email.

After 12 weeks with no email and no refund, we called Chase for an update. We were told that we could not receive a refund because we were marked as " no shows '' for our flight, meaning that Chase never processed the cancellation with XXXX XXXX. After several hours on the phone, the Chase representative again stated that we would be getting our refund back within 6-10 weeks.

We again waited for about 12 weeks with no update, before calling again. We asked the representative to review our past calls and again after several hours, we were assured that we would get the refund back with XXXX bonus points for the trouble and it would only take 5-7 days after being escalated to a higher team. 

After several days. we received an email that again stated that we would not be receiving a refund or travel credit, this time stating that XXXX XXXX denied the refund ( attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX has sold my previous loan to a debt collector illegally but not only did they do that. They also filed a criminal lawsuit against me. I borrowered and paid a balance of XXXX. They sold the false debt and sued me for XXXX. Ive talked to the police about this situation because a warrant was issued for my arrest because they sued me. Please remove there fraudulent claims from my credit profile. I do not owe any one or them anything. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: FL

Complaint narrative:
Equifax and XXXX say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX15 U.S.C. 1681s
-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX 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 a account without my written instructions 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 other 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 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 2022-10-02 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
my XXXX page said there was fraudulent activity on my XXXX account... .i was directed to a representative of XXXX XXXX .or so i thought ... .he directed me to another sight where he took over my browser... .he said i have to through some steps to verify that its me in order to solve the problem... i watched the cursor go to XXXX credit ... XXXX XXXX it very clear i do not want to apply for XXXX credit, i was XXXX that im not, this was just to verify my identity, on XXXX, XXXX bank, through transunion XXXX XXXX a hard inquiry on my credit causing my XXXX XXXX to go down XXXX points! 
i did not, authorize this! 
i do not want a credit line or loan with 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 2022-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Bank is engaging in deceptive practices with their customers savings accounts. They created a new savings account with a slightly different though similar name to the legacy savings account ( named XXXX savings ' ) when interest rates began to rise ( named 'performance XXXX savings ' ). They gave higher rates to the new account type performance XXXX savings, while keeping rates low for the legacy accounts XXXX savings, so any customer that did not notice this lost out on hundreds of dollars of interest as rates began to rise. Capital One gave no notice of this change in accounts, and many people thought they were getting the higher advertised rates who had prior accounts. 

The problem is described here XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: DE

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 






XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Experian XXXX XXXXL XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit Bureau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report.

The Credit Bureaus stated my accounts was properly investigated, how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION. My account is also having duplicate account.

In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions.

( 1 ) Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX I sent a certified letter never heard anything back my XXXX XXXX XXXX mail receipt 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 explanation
Consumer complaint received 2022-10-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, XXXX and Equifax reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, XXXX, and Experian, but EXPERIAN refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX  XXXX, one with XXXX, two with XXXX XXXXXXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on Experian 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this.

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

XXXX, the same. Why does XXXX report all of my credit lines correctly, and Experian and XXXX XXXX do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a 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 2022-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
After several attempts and at least two emails, I have never received the products a refund, or even been contacted by the seller on this dispute. It seems to me this was a fraudulent transaction where XXXX has done nothing to provide me a refund. 

XXXX XXXX XXXX XXXX, XX/XX/2022 We have finished reviewing your dispute We have completed a review of the money transfer you sent on XX/XX/2022. Below are details for this transaction. We have now closed the dispute. 

If you have any questions about this transaction, email us at XXXX or call us at XXXX. 

Transaction Details Transaction Date XX/XX/2022 Payment Amount {$81.00} USD Recipient XXXX Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02 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: CA

Complaint narrative:
The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/2XXXX 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