vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I did not make these charges. I thought it looked like my balance was low. I haven't bought anything so expensive. I didn't use hotels.com. I don't have fitness membership. I don't know XXXX XXXX. I have the card right now. I'm sorry I am taken aback by this. 

XX/XX/XXXX XXXX XXXX XXXX  Purchase - {$1000.00} XX/XX/XXXX XXXX XXXX LA XXXX - {$200.00} XX/XX/XXXX XXXX XXXX - {$1000.00} XX/XX/1924 XXXX XXXX XXXX  - {$110.00} I couldn't find anyway to contact them so I must complain like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: AZ

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 2022-09-07 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: AZ

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Credit Karma, LLC
State: OK

Complaint narrative:
On multiple occasions I have been victim of the false pre-approval advertisement emails by Credit Karma. I have used them for credit reporting for many years, and was surprised to find that they were falsely advertising to me. I have not complained as of yet, because I did not know that this was happening to other people. I thought it was just my account being messed up. Please let me know how I can submit a claim concerning this issue. 

Thank you and God bless you in your efforts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The information provide from XXXX XXXX Account was open in XXXX under my name and closed same year in XX/XX/XXXX I been out work since XX/XX/XXXX For Sickness. I dont have any credit card around the dates mention I made a police report. As I was told from National Credit Adjust

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
When I signed up with credit karma it was to help my credit, not to impact it further. I received several credit offers that promised at the time when my credit was stable. Instead i received several companies that were phishing and cause several inquiries that impacted my credit. This situation cause my my score to go dangerously low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: GA

Complaint narrative:
Transunion has reported on mye removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX RESPONSE TO COMPLAINT # XXXX IS TOTALLY A LIE. FIRST OFF, EQUIFAX DOES NOT REVEAL WHO IS THE FURNISHER OF INFORMATION, WHICH BY LAW THEY MUST. NOW IT IS EITHER THE COURTS WHICH IS CLEARY NOT ACCOURDING TO THE COURTS. OR ITS THEIR BUSINESS PARTNER WHICH IS DOCUMENTED THEY COULD NOT VERIFED ANY OF THE INFORMATION. SO WHO FURNISH AND WHOE VERIDIRED AND INVESTIGATED THE INFORMATION. WELL I KNOW THE ANSWER TO THIS IS NO ONE. THIS IS EXQUIFAX LAST CHANCE TO DELET THIS INFORMATION OF THIS PUBLIC RECORD BEFORE LITIGATION. CFPB PLEAS TAKE NOTE HOW EQUIFAX CONTINUES TO TRAMPLE OVER CONSUMER RIGHTS. 
I WILL STATE MY COMPLAINT AGAIN FOR THE LAST TIME BEFORE LITIGATION. 
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX  Bankruptcy # XXXX filing. I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
Quality Asset Recovery is trying to collect a debt from me that does not belong to me. 

Date opened : XX/XX/2019 Account # 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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I moved approx {$4500.00} in charges to a payment plan utilizing Amexs PLAN IT feature. Despite the amounts being reflected on the account as being active Plans with the ability to pay the amounts over 24 months, Amex is still demanding payment in full and is reflecting the account past due for these amounts. My charging privileges have now been suspended and when I call I get connected to collections who just dont seem to be able to grasp the issue. Both my calls and chats have been disconnected while I patiently explain the issues but the agent seems either incapable or unable to understand, address and resolve. CFPB should get involved here this is a major card issuer and this problem has to be impacting lots of consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I am a XXXX XXXX user. I believe that I was involved in their predatory lending scheme. I was told on many occasions, but I applied only a few times, that I was pre-approved and had great approval odd for cards according to my XXXX  score. After I applied to those same companies that displayed the card I had supposedly been approved for, I was denied. So, I was misled because they lied, to get me to apply when in fact, had not been approved for any of the companies. Inquiries are still on my credit report after I was told that it would not affect my credit. 

I only have the emails to approve the solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
As a Peoples Bank customer i have gone through the nightmare that was the transition or lack there of to M & T Bank. 

See XXXX XXXX article dated today : XXXX XXXX XXXX As an FDIC approved personal checking and business account holder I have not had access to my accounts since last Friday as branches and mobile banking were closed due to the transistion. 

Tuesday, I waited more than 16 hour and finally received a call back from M & T after hours which was impossible to respond to. I still do not have access to my mobile accounts and the mobile app repeated crashed. The customer service numbers did not function at all and when I went in person finally to a branch they were not able to assist me and directed me to call customer service which I explained was impossible. 

M & T Bank botched this transition and demonstrated a lack of execution, leadership and planning of staff allocation to accommodate what should have been foreseen as a high demand client service event. 

The fact that this is an FDIC insured bank and we have essentially been locked out of our accounts over the XXXX XXXX weekend should be investigated at a minimum. I dont recall receiving any document which stated accounts would not be available. 

This is what happens when your small community bank continues to get bought out by larger banks. You lose quality customer service and see an erosion of your banking services.

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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
So I reached out to Pen Fed several times I sent on a 1099 a acquisition ofAbandonment of secured property which includes home, car, etc.To which they accepted they never sent it back and denied it and I have requested a 1099C cancellation of debt to which they refuse.All of my accounts with this credit union is backed up by the US treasury to which these accounts are already paid for and Im making double payments which is against the law these accounts are affiliated with XXXX XXXXXXXX.These accounts have promissory note which the definition is note is a financial instrument that contains a written promise by one party .the notes to maker or issuer.to pay another party, the payee a definite sum of money either on -demand or at a specified future date. I Request a 1099C cancellation of debt for all accounts affiliated with this institution personal loan Closed and paid forand automobile loan a lien release free and clear.And to have all of these accounts removed off of my personal consumer report from all of the credit Bureau

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I made a purchase of {$250.00} on Friday, XX/XX/XXXX, which was immediately canceled by the merchant ( within 30 minutes ) due to being out of stock. 

After the notification was received, I reached out to chime with proof of order cancelation & was told that the cancelation was already processed by the merchant and the money would be returned. 

Yesterday, XX/XX/XXXX, I called support to find out why the funds have not yet been released. I can not afford to have almost {$300.00} just sitting in limbo for days. I was told that because the transaction was canceled before being posted, it will take 7 days for my money to be returned- if the merchant let it post & then refunded, it wouldve shown up within 3 business days. I kept asking for clarification, because it seemed to me that a canceled transaction being held longer than a refunded posted transaction seemed strange, but couldnt get far with the phone agent. 

In my frustration, I asked for a supervisor and was advised he would just tell me the same thing, and proceeded to sit on hold. When it was clear I wasnt going to make any progress, I hung up. 


I have had numerous issues with chime from the way disputes are handled to the terrible customer service reps and their lack of understanding of the product/account, which causes issues beyond a simple error. Care should be taken when people have access to your money but Chime doesnt seem to feel the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I repeatedly applied for credit cards through Credit Karma, because the sight would say I was preapproved. I would not be approved for the pre-approved credit cards. Later receiving a denial later that would often be followed with a netspend prepaid deposit credit card that Id never requested that had outrageous terms of credit with ridiculously high APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Electronic payments initiated by my bank were rejected and then a fraudulent late fee was applied. I have bee making payments by the same method for years and this has now happened for the past 2 months. My account is reflected as past due and I've never had a past due payment in my life. This will impact my credit score. When I call Comenity Bank to complain, I am on hold for hours and never get anyone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IL

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : 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 2022-09-07 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: VA

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of inaccurate and/or complete information in consumer report. 

To whom it may Concern : You are reporting inaccurate and/or incomplete information concerning me in my consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Records you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you. 
Bankruptcys number : XXXX Bankruptcy number : XXXX First, I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letters ). 
Secondly, I contacted XXXX and informed them of their errors and in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ). 
Third, I contacted PACER case locater.gov ( The official website of The United States ) for public records for bankruptcies and no records were located or filed under my name. ( See attached letter ). 
Therefore, you could not have possibility verified this information and request that you delete the alleged Public Records and provide me an updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in you consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.

Im demanding all Bankruptcy information currently showing on my consumer report be PERMANENTLY DELETED immediately. 
Sincerely,

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 2022-09-07 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: VA

Complaint narrative:
XXXX XXXX Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Equifax and XXXX XXXX XXXX failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: PA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation