vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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: NC

Complaint narrative:
On XX/XX/23, I pulled my three credit reports from XXXX, Equifax, and XXXX. I noticed an account : XXXX XXXX XXXX was listed on XXXX, Equifax and XXXX. I submitted a dispute to XXXX, Equifax and XXXX to have account deleted, as this account was paid. 

On XX/XX/23, I was notified that account was deleted from XXXX, but not from Equifax and XXXX. Both Equifax and XXXX reported the account as verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a capital one account, I received XXXX ACH Transactions for {$29000.00} {$36000.00} {$30000.00} once I received the payments from selling my equipment, my account said Your funds are currently not available for withdrawal. Please call us at XXXX so I called and requested a supervisor, they said my account is going to be closed they chose not to do business with me anymore, and I said okay when will I receive my funds they told me they do not know, due to investigation once their investigation is over they will send me a check with my remaining balance, then I said how long will their investigation take, they said they do not know, I told them its XXXX and I really needed these funds to go XXXX shopping and pay bills so I had to tell my family and kids that we couldnt have XXXX this year due to this problem, I just want my funds to be here now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They say that it's not their problem to resolve inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is alleging that I owe a debt to XXXX XXXX. They have no proof of this debt being mines & neither are they licensed & bonded to collect in the state of Texas. For a debt collector to be able to do business in a state it has to be bonded & theres no bond on the state of Texas Secretary of State website. What theyre doing is not only unethical its also a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: DC

Complaint narrative:
Credit bureaus are reporting inaccurate information on my credit reports with the XXXX XXXX account. Credit bureaus are not attached letter that I have supplied to be attached to the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX, Navy Federal alledged I had some returned checks totaling {$5000.00}. The company closed my account after a period of XXXX  months attempting to collect a debt. I did a UCC-11 search to see if I had any liens on me. To my surprise there were no registered recorded liens by Navy Federal on me. The collection department for Navy Federal insisted I owed a debt to them. Which if I do owe a debt. Why didnt Navy Federal registered the alledged debt with the Secretary of State in Hawaii which is required by federal law. Also, Navy Federal violated the Emergency Privacy Act of 1974 by furnishing my information to a third party non affiliated creditor reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: CA

Complaint narrative:
I have ask TRANSUNION credit Bureau to remove incorrect names, addresses and phone numbers. This incorrect information is hurting my credit score and my self from getting home o a job. Also they my be someone credit account that doesnt belong 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 2023-12-25 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: TX

Complaint narrative:
I have old sallie mae loans that were discharged in bankruptcy and equifax is showing 5 late payments on these 2 loans after they were charged off and discharged in bankruptcy.. My fico is showing recent late payments and so is my report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I believe I maybe eligible for the lawsuit with Wells Fargo. I was an account holder multiple times in different years all ranging from XXXX I was treated unfairly by them and was charged excessive overdraft fees and was told it's all in the contract I signed when I opened the account. I was even charged maintenance fees for a FREE account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: VA

Complaint narrative:
XXXX, Equifax XXXX XXXX XXXX repeatedly abused consumer reports to generate false data points & reports through CFPB & abusing consumers fourth amendment rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account has been close, no balance own on this account. I have ask them to remove it because its hurting my credit and me from getting a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sally Mae continues to report my accounts as charged off over and over.. These accounts were XXXX in bankruptcy and nothing new should be being reported to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/23, I pulled my XXXX credit reports from XXXX, XXXX, and TransUnion. I noticed an account : XXXX XXXX Bank was listed on XXXX, XXXX and TransUnion. I submitted a dispute to XXXX, XXXX and TransUnion to have account deleted, as this account was paid. 

On XX/XX/23, I was notified that account was deleted from XXXX, but not from XXXX and TransUnion. Both XXXX and TransUnion reported the account as verified and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Below is what i originally sent Chime Bank with Images of the fraudulent activity, I followed up with an email from XXXX showing that they indeed acknowledged unauthorized transactions had occurred. They sent me no copies or reasons why i would not be refunded my money. 

I had fraudulent charges on my XXXX account on XX/XX/XXXX and XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX when I first noticed it and they told me to change my password and theyd escalate it to investigative team. 

On XX/XX/XXXX I noticed another unauthorized charge and called again, this time they helped me remove my payment methods from their system, put my XXXX account on hold and said they would add it to on-going report. 

I received an alert that the ipad air ordered on XX/XX/XXXX had been delivered and called XXXX again, this lady was not aware of previous reports but promised to send me a follow up email, I asked for a case number and she couldnt provide. 

I took as many screenshots of the XXXX transactions I could, they are going to XXXX separate NY addresses. 

The charges are for XXXX and XXXX. I do not know anyone in New york and I have never sent anything there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has had a dispute going for over 30 days. They claim because something is in dispute they can not show me 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 2023-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per XXXX XXXX XXXX. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: Zions Debt Holdings
State: KY

Complaint narrative:
On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. 

It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. 

XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all closed accounts according to a free credit report I received from a free credit report company. Equifax, XXXX, and XXXX have all done an investigation and the results have said these accounts are still in collections. 

XXXX XXXX  and/or XXXX XXXX XXXX and are reporting twice on my report. XXXXXXXX XXXX  and/or XXXX XXXX XXXX along with XXXX XXXX XXXX are also the same agency reporting three times on the same closed account. I made a complaint to all 3 bureaus and they came back saying there was no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: KY

Complaint narrative:
On XX/XX/2023 - XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. 

It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: MI

Complaint narrative:
In order to ensure and obtain a 100 % accurate and verifiable credit report In accordance with the FCRA, I have requested that Experian, XXXX, and XXXX to remove an unverifiable account from my credit report via XXXX mail and online dispute. I have stated that I am not liable for any debt with XXXX XXXX XXXX account : XXXX or XXXX XXXX XXXX XXXX. I have not signed any contract with them whatsoever. 
Moreover, the credit agencies have not provided me with any of the documentation or proof that I've been requesting- via mail or online, yet they are consistently updating my disputes to include XXXX XXXX XXXX XXXX 

In addition to me disputing the account in its entirety, there are several inaccuracies reporting on Experian and XXXX beginning in XX/XX/XXXX and then from XX/XX/XXXX through XX/XX/XXXX. Experian has also mistakenly or falsely labeled my dispute reasons as : '' Invalid date '' However, I am 100 % certain that I submitted each dispute for XXXX XXXX XXXX as : " I do not recognize this account ''. 

The failure of the credit reporting agencies to timely and accurately verify this is account is negatively impacting my credit score and decreasing my chance at being accepted into a first time homebuyers program. I need a resolution as soon as possible. 
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 explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
I made a deposit to my account and it was successful. The said amount is {$45000.00} and I got it right in my Gemini account. I bought XXXX  of {$45000.00} from it and they charged me {$1000.00} as buying charges and I didnt complain. When I decided to move my XXXX  to safe and cold wallet after reading peoples review and all I could see is, you cant transfer your XXXX  right now because you need additional risk review. I immediately contacted customer support and they gave me ticket number XXXX and asked me to take a picture with my already registered and verified documents and I did and they said will get back to me. This is day XXXX and nothing have happen. Theyre criminal and I dont trust them anymore. Im not ready to provide any other document they need because going on their history, they sell peoples personal documents to scammers and Im scared since my account is already verified why asking me for SSN, drivers license and many other things with selfie? Government please come to my aid and please ask Gemini trust to allow me transfer my XXXX  and leave in peace

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of the XXXX data breach. I want these item 's Deleted from my credit reports. As you can see, the XXXX actually deleted them. because I was a victim of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax in XXXX regarding the updating of my consumer report. I notice that after doing a UCC-11 search there was no liens on me. The creditors furnishing information to Equifax should have registered and recorded any alleged debt reflecting a lien on my UCC-11 search if I have an alledged debt with them. Equifax and the creditors should have reported and registered the alledged debts to the Secretary of State required by federal law. Equifax is also in violation for reporting inaccurate information on my consumer report. According to 15 usc 1681 ( a ) ( 2 ) late payments are excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per 15 USC 6802. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer may have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: GA

Complaint narrative:
Equifax admitted to a data breach an confirmed my information was in fact compromised in this breach. They have yet to provide compensation for the neglectful practices of their organization. They also have the audacity to request proof of hours spent dealing with this matter when there is no possible way to keep track of that as the breach happens a few years ago and we are just being notified as of recently. With that said the fraud found on my credit report could in fact be becof this breach but the bigger matter at hand is that my info was in fact confirmed to be breached which is a violation of the Privacy Act of XXXX, Gramm-Leach-Bliley Act, Federal Computer and Abuse Act just to name a few. Being this organization has my full name, date of birth, social security number, address, and my entire credit profile my identity in its entirety has been placed at stake. There have been several items on my credit report that reported negatively that I have since been able to remove that I believe were related to this breach. This has caused me and my family so much distress and humiliation along with XXXX because of denials due to items reporting negatively which were mind. Now I have undue stress because se random person has ALL MY INFORMATION. I have to constant worry about my identity being stolen and my information being used. There is no timeframe on this matter because my social security number will never change, my date of birth will never change, and as of now I have no intention on my address changing. This means this information can be used anytime now or in the future leaving me vulnerable to being a victim of ideas theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Are all closed accounts according to a free credit report I received from a free credit report company. XXXX, Transunion, and XXXX have all done an investigation and the results have said these accounts are still in collections. 

XXXX XXXX  and/or XXXX XXXX XXXX and XXXX reporting twice on my report. XXXX XXXX  and/or XXXX XXXX XXXX along with XXXX XXXX XXXX are also the same agency reporting XXXX times on the same closed account. I made a complaint to all XXXX bureaus and they came back saying there was no error.

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