vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXXXXXX

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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX, I had called Capital One complaining that the recently replaced debit card continued to not work despite activating online. I spoke with XXXX from the customer service management team, employee ID # : XXXX. Her response to me was I needed to wait an additional 7 - 10 business days and is not sure what the problem is with the debit card. I had asked if she can expedite the resolution such as sending me a replacement card, despite the card being expired for months and a banking error failing to send me a replacement card. Her response was if I was unhappy I am more than welcome to close my account and your balance will be mailed via a check to your house. As I was extremely frustrated with not having access to my bank account for a number of weeks, as with this terrible lack of service, the bank account was closed. 

After waiting the 10 business days, I still have not received the check but I had received 2 notices stating my account was closed. I called Capital One customer service and after talking to them I was informed I needed to wait an additional week for the check to arrive. A week later, I called back again and was told that the check was mailed out but the check has no tracking records and they do not have any priority mailing option, so they have no idea where the check is. I was told in order to receive my check I now need wait an additional 7 - 10 business days to receive an affidavit form, then I need to fill this out and have it notarized then mail it back. From the time they receive the affidavit, they have 90 days to send me my money. 10 business days later, I still didn't receive the affidavit. 

I physically walked into a Capital One bank on XX/XX/XXXX and told a banker the whole story. They called the customer service for me and had me to talk them and they informed me the affidavit will be mailed expedited in the next 3 business days. I waited another 5 business days and called them again ( XX/XX/XXXX ) and was told there was no expedition on the note on the XX/XX/XXXX and that I have to wait another 7 - 10 business days before I can receive anything ( XX/XX/XXXX ). 

Throughout the whole experience, no one has told me the same information. Every time I call I am on the phone for over 2 hours only to receive a completely different story. The rep I talked to on XX/XX/XXXX is now saying they are seeing my money in the account but they can not give me access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
What happened : I have a prepaid payroll card from comdata XXXX and was scammed off a card previously but right when I was close to getting my first refund I I was scammed again but this time on the new card comdata sent out and I was denied twice for all three transactions. They were late night on XX/XX/year> for XXXXXXXX XXXX and XXXXXXXX XXXX both atm withdrawals in XXXX. Then early morning next day on XX/XX/year> at a XXXX XXXX for XXXX XXXX I tried asking for specific reasoning therefor I can help fix it or verify the situation so I could get my money back but they just keep saying you have been denied due to lack of evidence to support ur claim even tho I got proof pretty much all in my phone I was in another city that same day even on my card purchase log you can also see me in another city I tried my best emailing the fraud team they just send me automated robot message its almost XXXX all together I need to talk to humans they just pretty much told me Ima have to sue them basically I told them soon I will be hiring attorney and sueing for a lot more if they cant tell me specifically so I can try to fix or help you guys fix the issue I emailed n called them for almost 2 months and have got no progress. Thats a whole month of rent im not rich this whole thing is very stressful. Left some documents for you to see below

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 2024-07-23 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: AZ

Complaint narrative:
Subject : Formal Complaint Regarding Identity Theft and Fraudulent Activities Dear TransUnion Disputes Department, I hope this message finds you well. I am writing to formally report multiple instances of identity theft that have had a profound impact on my personal and financial well-being. Recently, the Department of Economic Security ( DES ) informed me that my identity has been stolen and misused repeatedly since XX/XX/XXXX. Initially, the thief was employed under my identity at XXXXXXXX XXXX for over a year before continuing fraudulent activities at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During this period, there have been several attempts to open credit cards in my name. As of XX/XX/XXXX, the individual has been terminated from their employment at XXXX XXXX XXXX XXXX due to confirmed allegations of fraud, as verified directly by the manager. 

The consequences of this identity theft have been severe. My healthcare and nutrition assistance were abruptly canceled, which has been exceptionally challenging as I am caring for a XXXX XXXX Moreover, fraudulent credit card applications have resulted in multiple unauthorized hard inquiries on my credit report, significantly impacting my credit score.

Below are the specific fraudulent inquiries that have adversely affected my credit report : XX/XX/XXXXXXXX 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 regarding the account numbers XXXX & XXXX, with a balance of {$1600.00} updated on XX/XX/XXXX. 

I urgently request your immediate assistance in thoroughly investigating and correcting these fraudulent activities. The theft of my identity has caused significant hardship, and I am actively cooperating with law enforcement to address this matter. 

Thank you for your prompt attention to this urgent issue. Please provide me with updates on the progress of your investigation and any actions taken. 

Sincerely, 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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An authorized debit payment was made to University XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX through a joint checking account in the amount of {$4900.00} for a three-week XXXX XXXX XXXX  class for my son. In our eyes the college committed fraud by asking for payment to be made before XX/XX/XXXX to avoid my child losing his spot in the class, ironically on XX/XX/XXXX the day after the payment was due the University sent an email stating they were officially closing their doors on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the admissions office requesting refund status and they stated they did not have further details regarding the exact timeline for the refunds. I also contacted the company XXXX which is the company who sent the payment confirmation receipt, and spoke to a representative there, I was told they would be able to refund us but when providing details to them about the school closure they abruptly stated they could not assist and that the school would be handling all refunds. On XX/XX/XXXX I sent a follow up email to the admissions office which they then provided me with a website and call center phone number for additional assistance. I sent an email to the call center on XX/XX/XXXX and have not heard back. I have also attempted to call them on the same day and to no avail they did not pick up. In between phone calls and emails my husband and I have attempted to get assistance from our bank JPM Chase asking that they put in a dispute on our behalf, but the bank stated because this was an ACH transaction there was nothing that could be done. The bank is refusing assistance. I spoke with XXXX a representative from your company which stated I was well within my rights to file a claim against the bank for assisting with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: VA

Complaint narrative:
I attended XXXXXX/XX/XXXX from XXXX. I secured a student loan for {$9000.00}. I consolidated my loans in XX/XX/XXXX with XX/XX/XXXXat a rate of 8 % compounded annually -annually! I have paid over {$40000.00} towards a {$9000.00} debt. I still owe {$70000.00}. My pay off amount is {$100000.00}. This is extortion, in my opinion. How can this be right? How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: VA

Complaint narrative:
It's been such a long time that I have been trying to fix these errors that are being reported on my credit report yet my disputes kept getting ignored I already had enough, it is detrimental- negatively impacting my overall well being and my credit score which is not good for me and my financial freedom.

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 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have tried to get them off my credit report it was due to a fraudulent account from a ex-girlfriend while I was in XXXX. I have provided proof and everything they wanted but yet they keep putting this account on my credit report every 3 to 6 months for the last 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review al of the my documents and remove the accounts that are list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I reached out to the Barclays through the their contact, and keep getting a bot reply. I asked for someone to file a complaint for this ridiculous fee. But I have not received any contact information. I know you have issued rules, and I am shocked at this fee, and want it refunded.

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 2024-07-23 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: TN

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX XXXX I had a Voicemail message from phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they are trying to track me down about a legal matter that has been placed with their firm. They said they made previous calls and sent letters to no avail. 
Mention going to their website immediately at XXXX I called ( XXXX ) XXXX on XX/XX/XXXX at XXXXXXXX XXXX and was told that I signed a XXXX  Agreement for a credit card on XX/XX/XXXX with XXXX so the statute of Limitations does not apply. 
The person I spoke with said they did not have any documents or a contract she could send me and I don't either, especially from XXXX  years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX emails received so far, claiming to collect a debt I have never heard of. I have never had an account with XXXXXXXX XXXX XXXXXXXX XXXX, nor have I ever lived in XXXX 
The first email I received from Halsted Financial Services came to my email address but mentioned the name " XXXX XXXX '' which led me to believe this was spam/phishing. I was surprised to keep receiving these, repeatedly claiming I owe over {$800.00} for a debt I have never heard of before!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
XXXX XXXX from XXXX XXXX Department ( XXXX ) called a family member on XX/XX/year> and left a message with information pertaining to a personal matter that did not involve that family member. My family member 's voicemail clearly states their name which is not even close to mine, but she proceeded to leave a voicemail going into detail about a personal matter that does not involve said family member. XXXX XXXX then proceeded to call my brother on that same day, XX/XX/year>, and left a similar voicemail. 

XXXX XXXX XXXX reached out to this same family member back on XX/XX/year> and I spoke to XXXX at XXXX XXXX XXXX on XX/XX/year> at approx. XXXX, who was at the time, working on the same personal matter as XXXX XXXX XXXX to not call any of my family members going forward. I do not know the relationship between XXXX XXXX at XXXX XXXX Department and XXXX XXXX XXXX ( XXXX ) but they continue ( despite me asking them not to ) call and harass my family members. They all have my contact information but still choose to reach out to my family members after me telling them not to. 

I want the original creditor XXXX XXXX held accountable too because they are retaining these companies to seek out and harass my family which is unacceptable. I have kept records of all interactions between both companies and can furnish whatever proof is needed upon request. This is my final attempt to make these harassment calls stop, my next step is consulting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-07-24 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: MD

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was trying to apply for a chase bussines credit card and I got denied for no reason, my credit is XXXX, when I call them they told me will send me a explanation letter which I never received, then I call again and still nothing, I do not know the reason for denial

Company response to consumer: Closed with explanation