vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
I have been requesting my 1098 and 1099 form from Texas Capital Bank since late XXXX. I've called, sent emails, and sent messages through their online portal to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I call capital one 360 on XX/XX/XXXX to make them aware that someone got a hold of my checking account information and my online information to sign into my account and they made a remote check deposit of XXXX from the XXXX XXXX. I got notified by email about the deposit to account XXXX and called on XX/XX/XXXX to report that someone was using my account/online account and just did a remote check deposit that was unauthorized. I was told the account would be closed and I new one would be opened and it never happened until early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I requested to have my XXXX XXXX account balance ( {$2900.00} ) XXXX  out in reference to the document I submitted to XXXX and TransUnion credit agencies. Both agencies refused to make the corrections to my credit report. XXXX XXXXe and I no longer do business together ; balance shown on credit report was paid off XX/XX/year>. 

I am willing to submit the documents as needed.

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 2024-03-06 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have found an account on my credit report that I did not authorize ; pursuant USC Title 15 1681, this account need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.

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 2024-03-06 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: IA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have not gave this company TD AUTO FINANCE ( Finance ) permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NM

Complaint narrative:
keep ignoring my request to review my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
On, XXXX XXXX I called XXXX XXXX and he never answered and blocked me. The Supervisor, XXXX XXXX XXXX my calls and I believe blocked me so I had to call from a new number and he answered XXXX then lied to CFPB and said he called me and found a resolution which wasn't true as I have not received my continuations forms for XXXX months. I emailed and called XXXX XXXX, today, XX/XX/year> and he has refused to answer, therefore there is no resolution to my Continental Finance Company, XXXX XXXX I qualified for because without the continuation forms my payments for the program will not be applied. So once again Continental Finance Company, is fraudulently trying to put me into a situation where my credit will not be applied. Every time XXXX XXXX promises something he doesnt follow through. I want my XXXX months continuation forms as promised and my credit protections payments continued be applying ti my 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
keep ignoring my request to review my disputes.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
keep ignoring my request to review my disputes.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Sent disputes and they are just ignoring my request.

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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Initiated a {$15000.00} ACH transfer to Coinbase on XX/XX/2024, but faced delays in reversal beyond initial promises ( XX/XX/XXXX to XXXX XXXX ). Efforts to escalate to a supervisor were ignored, impacting financial stability and trust. Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
Dear XXXX, XXXX AND OR EQUIFAX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account NumberXXXX Party Owed : XXXX XXXX XXXX Amount : {$60000.00} Account XXXX XXXXt XXXXXXXX XXXX account XXXX XXXX resurgent receivable {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My issue did not get resolved. I did not make extra payments but extra was being taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HILLTOP HOLDINGS, INC
State: NY

Complaint narrative:
I have loan with Primelending mortgage company and its paid through XXXX. I have automatic payment set up and have not missed a payment. My escrow changed and my payment for the escrow had not caught up. 

They returned the entire payment and then charged me for late payment/no payment. The difference was {$70.00}. 

Instead of allowing me to pay the difference they claimed that they can not accept a payment less than the amount and returned the payments. 

I should not have to pay late payments that by the way are almost the same as the difference. They also are going to report negatively on my credit report. 

I could understand the underpayment correction, but to return the entire payment then claim I am late is disingenuous. 

I should not have to pay the late fee and take a poor credit reporting due to their poor processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has time and again made it difficult to get an annual free credit report for years. Equifax deliberately and maliciously engages in an unscrupulous business practice so it can sell the subscription instead of proving a free credit report. As of today XX/XX/2024, I was able to obtain my free annual credit reports from XXXX and XXXX without any problem, but not Equifax. Equifax is a dishonest and unethical company and should be audited and held accountable for its shady business practice that has been going on for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CO

Complaint narrative:
Sent disputes and they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Sent disputes and they are just ignoring my request.

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 2024-03-06 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: M.A.R.S., Inc.
State: OK

Complaint narrative:
I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from MARS with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: OK

Complaint narrative:
I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from XXXX with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Dispute Letter to I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, MI XXXX XX/XX/2024 I.C. Systems XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX RE : Dispute of Debt and Request for Validation Dear Sir or Madam, This letter serves as a formal dispute of any and all debts I allegedly owe to I.C. Systems. I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Debt Dispute and Validation Request : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s-2 ( 7 ) ( a ), I demand complete and accurate validation of the alleged debt you claim I owe. This validation must include : The name and address of the original creditor. 

The date the debt was incurred. 

A clear and specific identification of the goods or services for which the debt was incurred. 

The original amount of the debt. 

The current amount of the debt, including any interest and fees. 

Verification of the debt 's ownership by I.C. Systems. 

2. Request for Purchase Agreement : I further request a copy of the purchase agreement between I.C. Systems and the original creditor, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This document will assist me in verifying the validity of the debt. 

3. Proof of Licensure and Bonding : Under 12 CFR 1006.34 ( d ), debt collectors must be properly licensed and bonded to collect debts in the state of residence of the consumer. Therefore, I request proof of I.C. Systems ' current licensure and bonding in the state of Michigan. 

4. Revocation of Communication : Finally, I hereby revoke all permission for I.C. Systems to contact me through any means, including email, text messages, and phone calls. Any future communication must be made through certified mail, addressed to the above address. 

Please note that I am prepared to pursue legal action if I.C. Systems fails to comply with these requests or engages in any further collection activities without proper validation. 

Sincerely, 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 2024-03-06 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: NC

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form. I sent you a FTC report on XX/XX/2024 about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I, XXXX XXXX never gave XXXX, XXXX, or TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXX XXXX. I have attached my last statement from XXXX XXXXXXXX XXXX to show the discrepancy. I will also attach my XXXX data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXX XXXX. I have attached my last statement from XXXX XXXXXXXX XXXX to show the discrepancy. I will also attach my Equifax data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
There are hard inquires on my report and I have no idea how they got my information or why it was ran.

Company response to consumer: Closed with explanation