vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I booked a XXXX  vacation in XXXX for XXXX rooms at the XXXX XXXX. Aprox {$19000.00}. When we arrived my sons room and mine where connected they had major water damage, bathroom door was stuck and you could not get into the bathroom, walls had missing portions, half the rooms electrical did not work, there was water still coming into the room from the ceiling and through the dryer running across the floor, the patio door was being held by a XXXX and water was dripping from the non operational ceiling fan.We had cockroaches running across the floor with dehumidifiers running continuously! I paid with my CapitailOne card and we asked the hotel for a new room or a refund. The refused both. The hotel policy stated we had until XX/XX/XXXX XXXX to cancel minus one nights stay and they did not even honor that. With out the refund we were stuck there. They did that as I believe a common practice. We were sick vomiting the entire stay. Once back Capital One claimed we stayed there and received the service. Its a scam so the hotel doesnt have to refund. I believe Capital One has a working relationship through their XXXX program and we were victims of a bait and switch. CapitalOne refunded me on XXXX of the charge backs saying I was awarded in my favor then rescinded it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-04-02 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: NJ

Complaint narrative:
DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.

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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

NAVY FCU I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had a payment that I made to the CA XXXX returned/reversed - even though I had enough funds in the account to cover the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Due to being 100 % permanent and total disable PER Veterans Affairs my Citizen Bank XXXX XXXX  was discharged. This took place XX/XX/year>. I got a letter from Citizens Bank Asset recovery stating my loan was transferred to them. When I called, I spoke to XXXX XXXX, and he stated the loan was sent to credit bureau as a collection. I told him I made every payment on time. He then called XXXX ( XXXX XXXX XXXX ) while I was on the phone, and they gave him a good payment history. He realized that I'm a XXXX veteran and discovered it was coded wrong. He escalated up to a district manager named XXXX and she investigated and discovered that all this was a mistake. 4 days later she got back with me stating the loan was forgiven due to my declining health state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-02 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-02 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: SC

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting that is not mine. I filed FTC report and nobody has yet to help get this resolved.

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My credit report shows that I have a credit card with TD Bank NA that was opened in XX/XX/year>. I did not open one. I contacted TD Bank last year when I first learned about this and was given the impression this account was closed. My credit report still shows it as active ( although no transactions ). I called TD Bank NA, they say they can not see any account with my social security number and suggested I file a dispute with the credit bureaus, which I had already done. I just received an update from XXXX that the information is accurate and the account is open! I don't know what I need to do close this account and save my identity. I seem to have got nowhere in spite of these efforts. 
I entered the billing address for this credit card as mine as it was a required field on this CFPB form, but since I do not have the credit card and was not given the account number, I do not know the actual address this card was sent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I notice Exeter Finance charged off an account on my consumer report. This account has been damaging. I have not received any proper documentation relating to Exeter Finance writing off this account as a loss. I do not want billing statements as they are not proper documentation. By failing to provide me with the proper documentation will cause complications for both Exeter Finance and me with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 explanation
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I have repeatedly disputed XXXX transactions which remain on my report. I have provided the creditor and credit bureaus proof that I am a victim of identity theft and they refuse to update my report. I have provided the police report which included the accounts, along with the report number, and name of the suspect. These companies are violating my rights and federal laws under FCRA Section 623 ( a ) ( 6 ). My report is inaccurate and it is not only affecting myself but my family. The credit bureau and creditor has failed to abide by federal laws which is effecting my livelihood. XXXX XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX are all creditors that Ive never done business with, and have not provided sufficient documentation to determine how account ownership was determined.

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 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
My Comenity Capital Bank XXXX XXXX credit card account : XXXX is lost/stolen and has fraudulent transactions/charges of {$730.00}. The transactions and balance of {$730.00} is all fraudulent charges and not my transactions. I filed a police report. The police report case number : HPD : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.

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 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I was sold a 2012 XXXX XXXX, I put XXXX down and the cost of the vehicle was XXXX. I seen on the loan documents that XXXX is what it has to say for the company, and was advised I can refinance if i wanted to in a year. I signed documents not knowing what the lingo meant. My monthly payments were XXXX. I tried to refinance in a year with the hopes of smaller payments I was told I couldn't because the vehicle is too old, fast forward I've been paying 4 years without being late and I realized I've paid XXXX for this vehicle something isn't right I called to ask what was going on they stated my interest rate was 21 % do I'm paying interest. I tried to explained I didn't know what I was signing and asked for a payout they gave me one but only XXXX off of what there saying I owe. Please can someone 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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX and XXXX I called the bank asking why I was not able to get into my online banking and they would not give me a reason why other than tell me that my payroll check was being verified. They told me that I would have my funds available by XX/XX/2024. I talked with them again today XX/XX/ 2024 and they still would not give me a reason why I still do not have access to my online banking nor access to use my debit card. The funds apparently are in my checking account now ; but they will not let me have access to the funds. They still will not give me a reason why my account is under review and no reason given about why my debit card was deactivated. It has been 8 days and I have many bills I need to pay for and Citizens Bank is holding my money from me and not giving me a reason why. There is apparently {$930.00} in my checking account. I dont know what else to do other than reach out to consumer finance for help. Any help is greatly appreciated as this mobile deposit is a payroll check and has been withheld from me without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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.

Credit collection Service : 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 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 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 non-monetary relief
Consumer complaint received 2024-04-02 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 XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After the XXXX XXXX XXXX  breach and XXXX notifying me of what they found on the dark web. I called Equifax to freeze my credit. Under the pressure of trying to do the right thing they quizzed me for 20 minutes to verify my identity. Everything they would need to get into my accounts. They tried to sell me identity protection, which I got unset about. Afterwards they told me I did not need to contact the other XXXX credit bureaus. I found this very strange. I contacted XXXX and XXXX both AI ( no person involved ) I was asked basic questions and told me my account was frozen and in 5 minutes or less I was finished. 

This brought me to checking the reviews on Equifax. The XXXX A+ has to be bogus. I believe that a class action lawsuit would help those people, because I believe them. 

I could not understand the XXXX girl I was talking to and had to call my wife in because I thought it was just me. I got the print out from XXXXXXXX XXXX with the phone numbers for the three bureaus, but still I called Equifax back a second time to get a male XXXX. 

My call which was recorded took place today between XXXX - XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: SC

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting that is not mine. I filed FTC report and nobody has yet to help get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I am a XXXX student at XXXX XXXX who received a late notice bill for my loans on XX/XX/XXXX, which shocked me since I did not even know that I had a payment. I have tried calling and messaging MOHELA 's customer service about this but to no avail. I am also concerned that my interest on my loans is even correct. I have seen the issues other borrowers face with MOHELA and their incompetence.

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