vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has closed my credit accounts for missed payments and i was told this multiple times and they attempt to switch it. I had the sufficient funds in the account they attempted to withdraw from just they couldn't because it would return on there end twice. We finally made the decision to manually step in and charge our other bank to pay off our whole debt with Capital One. 

It is well known, Capital One closed my accounts because they had a error trying to take the payment from my other institutions. This is a problem that could of easily be solved instead they decided to close my accounts. Very sad day as I have been banking with Capital One for years and years. 

I have so many questions, Will my future credit accounts down the road 1-3 years from now be closed because of these closed accounts? 

Will Capital One take responsibility of there mistake and reopen? 

Why didn't they send a notice or call me that they were having a error trying to process payments? 


Such a bummer situation, i attempted to open a new account and they closed that one also. So is my credit banking relations with Capital One over forever?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. The inaccuracies are highly injurious to my credit score. 
this 3 accounts have inaccurate information as you can see in the attach file in this report. Inaccurate like reporting the collection or late payment every single month which is not legal and the status are different across all credit bureau. The inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts. 
The accounts are : XXXXXXXX XXXX account number XXXX. 
XXXX Account number XXXX. 
XXXX account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank suddenly sent me a mail and said they will close my checking accounts and all credit cards with the bank on XX/XX/XXXX. 

I called the bank and was told no reason can be disclosed to me. 

I use chase credit cards for more than 10 years, and checking account for more than half an year, and don't see the reason behind the account closure. 

I am using chase checking account to pay bills, so the closure has a big impact on me. 

I have accounts from other major banks, and never have seen this kind of things in my life. 

please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was issued a XXXX XXXX XXXXXXXX XXXX XXXX through my Native corporation for annual distribution of funds from Native land settlement act. 
The card gave me issues from the beginning. 
The 3 digit code on the back was wrong in their system. 
Their app wouldn't let me log in saying too many attempts & my account is locked. 
I left it alone several times & XXXX  back to try again & still after several failed attempts was still denied. When I call the XXXX number it would state my 3 digit code isn't valid when I'd get the automated system. 
I had over {$120.00} in the account frozen from last year 's distribution in the fall. 
I got 2 more deposits early XXXX after requesting it not be sent to the account due to the issues but it wasn't recieved in time. Now I have over {$1000.00} in the account. After going around & around & getting nowhere with the XXXX XXXX XXXX customer service reps I asked for my money to be returned to the original company so they could distribute another payment. They refused & fi ally offered to give me another card to remedy the problem of their system having the wrong XXXX digit code on the back of the card which was never offered before. I even offered to send a Pic of the card front & back to show the information I entered was correct & the I fo they have is wrong for whatever reason. I didn't want to deal with them at all anymore after over 20 calls trying to resolve the issue & them constantly running from accountability including being told I'd get a check within 5-7 business days & that never happened either. It's been over a month now. 
They stated last time I spoke to them it's because I changed my address why they haven't mailed it yet & refuse to acknowledge any wrong doing even refusing to talk as long as they are be recorded which I tried to do to document this circus. Their reviews show similar issues with other customers stating they can't get in the app & being locked out. 
They sent a link for a temp solution & that timed out & never worked either & they say if I wasn't successful woth that option I have to wait 2 weeks or whatever antics they were pulling & just yanking me around. 
I've spent hours & hours on the phone woth them & am over it. I was told to call XXXX XXXX XXXX XXXX days to get a tracking number for the check they were supposed to send to my XXXX XXXX address & they didn't have any answers or solutions other than to keep calling back. I've verified & proven it was me trying to log into my account with exact times & dates & they refuse to remedy this issue & aren't giving me my money. 
Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted to request a permanent removal of my active permanently. I kept getting a runaround. There was asking me questions that didnt address to me. I dont know nothing about nobody else. I can only answer for myself and they was very rude and they hung up on me all monitor call times they picking up not saying anything And all I want to do is get this removed I tried to do it online, but the system wont allow me is not working. And Im very frustrated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to express my frustration and dissatisfaction with your continued failure to address and rectify the inaccuracies on my credit report. Despite my previous dispute letters and clear evidence provided, the negative items remain erroneously reported on my file. This lack of action demonstrates a significant level of incompetence and unprofessionalism on your part. 

It is particularly concerning that XXXX, another major credit reporting agency, does not report any negative items under my credit file, highlighting the discrepancies and errors in your reporting. This inconsistency not only damages my creditworthiness but also undermines the integrity of your 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft, back in XXXX XXXX XXXX XXXX XXXX and they stole my identity and identification. 

I have no connection or knowledge with the said accounts. I have done with the police stated and filed the appropriate documentation. I did the identity theft report and the police report so now im coming here. 

please help me this is Fraudulent and damaging my Consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the XXXX review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have written many letters to TU informing them of this fraudulent account along with the police report, and they still continue to report this inaccurate information ; I had previously filed a CFPB complaint, and my mom had passed away from every tragic accident, and I had been in the hospital with her for about a month and was not able to respond to the response by the deadline. As the law states, please hold TU accountable and ensure they report accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Good morning, Im reaching out due to identity theft I filled out a police report and an identity theft report. 

These accounts that is listed arent mine. Please help me correct this information. I have no connection or knowledge of the said accounts. 

Back in 2017 my identity was stolen and has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I believe the account is invalid. Synchrony Bank needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SYNCB/XXXX  XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I was provided a settlment from a class action suit. I was given {$35.00} and a link was sent to me to retreive my settlement. The settlement money was sent to XXXX XXXX XXXX and a virtual XXXX was provided to me which I downloaded on my phone " XXXX XXXX ''. However, the first 12 numbers of the XXXX  were blocked out and only the last 4 digits were visible. I tried to use the money on the 'virtual " card at different stores and I was unable, because I did not have the full card number or the security code required to make purchases. On countless occasions, I tried calling XXXX XXXX XXXXr 's XXXX number to retrieve the information so that I may use the money, to no avail, as a customer gets lost in the virtual maze of their automated services. I also tried to write their cutsomer service at the address provided, however, no one gets back you. This is the address provided on their site. CARDHOLDER SERVICES MAILING ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX This is a money stealing scam, as this company makes it extremely difficult, if not impossible for the cardholder to access their funds. Then seizes the funds, leaving the customer with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: Nelnet, Inc.
State: NY

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I received a notice fo pay {$35.00} lated fee when I had mailed the check for XXXX to them on XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation