vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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  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 of 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 2024-11-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXXXX/XX/XXXX 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 of 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 2024-11-25 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: AMERICAN EXPRESS COMPANY
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have opened a checking account with capital one on XX/XX/XXXX, I had not made many transactions yet because the account is new, on XX/XX/XXXX I received 2 payments of {$500.00} and {$200.00} respectively and everything is fine, I also made a purchase of {$25.00}, then someone sent me {$100.00} at night and I received an email from them indicating the following : Were verifying an incoming XXXX payment XXXX, XXXX XXXX XXXX XXXX sent you {$100.00} with the message pago. For your records, the payment ID for this transaction is XXXX. 
Were currently verifying this payment. Upon successful verification, the money will typically be available in your account and your XXXX activity feed within two business days. 

If you have any questions, give us a call at XXXX, XXXX XXXX XXXX XXXXXXXX, 7 days a week. Well be happy to help you. 

Thanks for choosing Capital One. 



At the next day I received a email from capital bank with : Unusual activity was noticed on one or more of your accounts XXXX, One or more of your Capital One bank accounts have had unusual activity. Your accounts have been restricted until we complete our review. 

Please call us at XXXX as soon as possible to discuss the recent activity. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX, and on Saturday from XXXX XXXX XXXX XXXX XXXX XXXX 

If you dont contact us before your review concludes, the accounts in question may be closed. If this happens, any remaining balance owed to youplus all interest earned, if applicablewill be transferred to your externally linked checking account or a check will be mailed to your address on file. 

While an account is restricted, itll earn interest ( if applicable ) and you can deposit money. However, a restricted account will prevent you from withdrawing money, initiating new transactions or completing pending transactions. 

Youll receive the results of our investigation once its completed. 

Thanks for choosing Capital One. 

I called the bank 3 times that day ( XX/XX/XXXX ), 2 times the next day ( XX/XX/XXXX ) and today Monday XX/XX/XXXX and in all the calls, the costumer support only gives me vague answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Well my ex girlfriend started a XXXX account in my name and used my Social Security number to do so and got approved for an XXXX and ran the bill up and did not pay it and now Im stuck with that debt and I just dont think thats right or fair because Im not the one that made that debt and now I got the credit reporters telling me that theyre gon na keep it on my account where I still got ta pay it in order to get it off my account and I just think thats complete XXXX because Im not the one that ran that bill up it was my ex-girlfriend so why do I have to be the one to be punished for it?

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed my accounts. I sent my XXXX and ID information as requested and did it before the due date. I received additional emails stating my account would be closed and I contacted Chime to let them know that I had submitted my documentation. They confirmed my documents had been received and for me to disregard the email. On XX/XX/year>, my accounts are closed and I lost online access. I called Chime and they said for me to wait as they were backed up and they confirmed I had sent my documents twice. They couldnt say when my access would be restored nor if my ACH debits would be honored. I asked for a manager and the manager provided a completely different answer and stated my documents werent supported by their system. I never received an email asking me to resend, and their representatives did not provide this information. This is clearly a UDAAP violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>2024 I contacted a young lady on XXXX named XXXX  for plane tickets since she does half off deals, the plane ticket I needed to buy was for XXXX to XXXX XXXX with a layover in XXXX, the total cost of the ticket at the time ( XX/XX/year>2024 ) was around XXXX, I would send her XXXX for her to purchase the ticket and handle the other half of the cost. I have proof of all interactions with the lady and proof of disputes, I sent her XXXX on XXXX XXXX ( this is the amount Hunnington Bank is demanding I return back ). I then sent XXXX through my Bank account and the remaining XXXX through my other bank account XXXX The woman I was working with refuses to refund the money. Today XX/XX/year>2024, I have not gotten a single penny back from Hunnington  or XXXX  because the transactions appear legit even though I have proof of her stating she is no longer working with me and I do not have the plane ticket either, I have filed disputes with both Huntington and XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I submitted a dispute yesterday, Sunday XX/XX/XXXX around XXXX. I was on the phone with an agent while I was filing a dispute online and uploading my documents. When I asked him for confirmation that my XXXX page set of documents were received, I was told they system takes XXXX business days to be input in the system where they can see it. He told me to give them 30 days to conduct an investigation. I received a confirmation email about my dispute stating it was received at XXXX stating my dispute was received. I then received another email at XXXX for the same dispute stating it was complete. According to the agent, the system couldn't have even been able to see my proof yet. How can an investigation take place throughly in less than XXXX hours? When a consumer disputes something on their credit report, the CRA or creditor must follow certain procedures to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 non-monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I'm writing about these accounts. I'm very affected by that on my credit record. My credit record shows these accounts because I was a victim of identity theft. These accounts are harming me because they are not mine and I shouldn't be responsible for something opened without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX coming back from a fishing trip, I received a call from who I thought was Wells Fargo. This Person fraudulently hacked my account and Transferred {$5600.00} from my personal account to my business account and then XXXX out {$4000.00}. This person was not enrolled in my XXXX. Which causes the transfer to take more time to clear giving it a pending transaction which can be stopped. I called the bank immediately. After finding out I was hacked on the XXXX requesting a stop payment which The lady on the phone told me my funds were safe and I didnt have to worry about it gave me a claim number and told me I needed to open a new account in the morning the next morning I go to the bank give her my claim number and theres no information about a stop payment. I know they have recordings of all the conversations and theyve lied to us telling us that the charge could not have been stopped. Ive done my research and yes, it could have been stopped, but Wells Fargo messed up and doesnt want to do right by customer.

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 2024-11-25 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I listed the accounts and explained the violations. Over 30 days have passed, and they have not responded. Copies of the dispute letters are attached.

This company violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as such.

FCRA 605 ( c ) was also violated, as the date of last activity is incorrect and should reflect the last payment date.

Additionally, this company has repeatedly failed to validate this collection account, further violating FDCPA 809 ( b ), as outlined in FTC guidance.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I listed the accounts and explained the violations. Over 30 days have passed, and they have not responded. Copies of the dispute letters are attached.

This company violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as such.

FCRA 605 ( c ) was also violated, as the date of last activity is incorrect and should reflect the last payment date.

Additionally, this company has repeatedly failed to validate this collection account, further violating FDCPA 809 ( b ), as outlined in FTC guidance.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally address a matter of great concern regarding my Truist account, which was opened in XX/XX/year>. On the same day I opened my account, I made a cash deposit of {$9900.00} and activated my mobile banking. Shortly thereafter, while I was out of the country due to an emergency, my sister-in-law, also a Truist customer, transferred {$1400.00} into my account, which was processed without any issues. Additionally, a XXXX transfer of {$3500.00} from a friends XXXX XXXX  XXXX account was also successfully processed into my Truist account. 

However, despite these transactions going through without any dispute, I encountered issues when attempting to reset my password. I was locked out of my mobile app, and upon contacting Truist, I was instructed to come in person for verification in order to regain access to my account. Upon visiting the branch, I was shocked to find out that my account had been closed, and the funds were not being released 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 explanation
Consumer complaint received 2024-11-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 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 Account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15U. S.C. 1681 s-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 response to consumer: Closed with non-monetary relief