vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XX/XX/2023 - XXXX Experian-XXXX XXXX However , the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
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

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 2023-12-27 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
On XXXXXX/XX/2020 I went to XXXX XXXX to have run a diagnostic test on a friend 's car .. the result was it needed a new engine her vehicle so without my consent the manager XXXX started applying for credit in my name for several companies without my consent I initially gave him authorization to run in their inhouse company I believe he said was XXXX XXXX .... Later on that day I'm followed up with I was approved for acima, XXXX XXXX  and got denied for XXXX XXXX XXXX XXXX is what he stated .... He claimed the engine was going to cost {$2900.00} for a crate motor from XXXX ... Acima had approved me for {$1100.00} and XXXX XXXX approved me for {$1900.00} so it would be fine be ause it would cover the cost of the part which had to be payed in advance otherwise no work could be started .... So I told him ok order it he said I will it will be here in 3 business days vehicle will be ready in 10 days XXXX XXXXXX/XX/XXXX ..... This was not the case I made a payment for this account from acima that very day it was part of their program and that's the only way I get approved however he never ordered this motor and in the end he denied me using the XXXX XXXX XXXX XXXX for payment on vehicle and wrote the lease agreement I had was for labor on the vehicle when it clearly stated in contract labor can not be financed only parts or services can so it was entirely a scam and he never fixed the problem... And please then consider he never started working on this vehicle until the end of XXXX and it wasn't full completed until the beginning of XXXX... So w everything about what on my credit is fake or false from the original amount charged off to the amount it compiled to somehow it was a 90 day same as cash type of contract however from the day I originally completed application the actual paperwork wasn't submitted til almost 5 weeks later amd even that didn't match the original terms .... He got me approved for {$1100.00} yet somehow was trying to put it as {$1200.00} towards labor .... Please follow up acima never did anything to assist never did XXXX their management corporate no one and as of over a year now XXXX XXXX is no longer in business they operate under a new name I filed complaint with XXXX  etc nothing has been done other than being denied for credit for negative impacts due to false accounts created by acima and XXXXXXXX for terms and conditions I never gave consent to even work orders throughout this nightmare had been altered with my initials for work approved when I wasn't even at the business to give consent for authorization... Thanks hopefully that XXXX XXXX XXXX  .... Acima Credit and XXXXXXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I did apply for the XXXX payment plan and i was approved but i checked my student loan account with aidadvantage for over two months now and its says my account is " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX Repayment Plan Saving on a Valuable Education - Ends XX/XX/XXXX Repayment Start Date XX/XX/XXXX '' meanwhile, my interest keeps going up each day and i believe i am being fraudulently being charged. i also tried to setup auto pay and the system would not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MO

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: DC

Complaint narrative:
Dear Sir, Dear Madam, I was satisfied with the case involving XXXX XXXX. And now a strange case shows up that seems to be a fake debt since I don't have any loan or bought anything on credit and didn't pay it off. 

HUNTER WARFIELD 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 But I don't know about HUNTER WARFIELD or about that debt since I was never convicted by any Court. 

And I'm thinking about some companies like XXXX XXXX XXXXXXXX XXXX XXXX which tried to scam me by inventing fake debts in different amount of money than {$1300.00}, but still they're stuck until a Court decision before a debt collector can be involved if their claims are proven by Court decisions, what is less likely to be proven. 

So, HUNTER WARFIELD defamed my reputation online by falsely reporting for debts I don't owe and I ask for damages reparation before all competent Authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a Capital One Quick Silver ( Cap One ) credit card since XXXX XXXXXXXX 2023. They solicited my husband, he accepted, and requested a card for each of us. To avoid late fees and unnecessary interest fees, I only charge purchases that I have budgeted cash for, and I pay it off when Cap One posts the payment. 

Several times I have made a payment and Cap One put a hold on it. I called them bewildered and inquired why they would put a hold on my payment. They said the payment must be verified. Further bewildered I asked why when my checking account was with Cap One as well as the credit card. I got both departments of Cap One on the phone so my checking account could be verified by the credit card division as having the allotted amount. I thought then the credit card division would notate that on my account and release the payment and post my full available credit line of {$500.00}. 

Instead, my account was put on hold most recently on Tuesday, XX/XX/XXXX according to the rep for 25 days until XXXXXXXX XXXX, 2024. During the holidays when I needed my card the most it was unavailable to me for no good reason. Plus, I had a death in the family and had to travel to North Carolina on Thursday, XX/XX/XXXX. I called and asked Cap One to please release my credit so that I could rent a car and go to the funeral, and they refused. So I had to drive my own vehicle and put over 600 miles on it plus wear and tear instead of being able to rent a vehicle. 

After I had made a payment on Sunday, XX/XX/XXXX, of the full balance of {$380.00}. On XX/XX/XXXX it said the full balance was made. Then it said the full balance was made on XX/XX/XXXX. Additionally, I had learned that I could also make a payment of 10 % above the posted payment amount to give myself a little extra credit. So, on XX/XX/XXXX I made another payment of {$38.00}. However, the lesser amount got posted as an overpayment and could only be used after I exhaust the full credit limit. 

On XX/XX/XXXX I thought I had sufficient funds and swiped the card for a roundtrip railway and subway fare only to have my trip home on the XXXX declined. Several times Cap One has put a hold on my payment for 24-48 hours, but when I called them and went through the verification process, the matter is usually resolved. 

On Monday, XX/XX/XXXX I called Cap One and told their rep I had death in my family and needed to travel to North Carolina and wanted to rent a car and use the card for gas, tolls, etc. She had me on hold for almost an hour before telling me that a hold needed to stay on my account until XXXX XXXX, 2024 to verify the funds. The rep told me that it was not them but the system that had put a hold on my account and they could not override it. Even after speaking with a manager I got the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MO

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MO

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
My tax refund was deposited to my Chime account XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid my rent and then suddenly I was logged out of the app and told to contact customer service as my account has been placed on hold due to suspicious activity. I called customer service and asked how is a deposit titled tax refund disbursement suspicious activity when Ive been using this same account for years. I was asked to email proof of my tax return, my identity, etc in pdf format. I sent everything asked and just keep getting the same emails to send the same information Ive already sent multiple times. Ive sent proof of everything from Copies of my tax return, transcripts, invoices, etc and still no access to my account or funds that I worked hard for. They locked my account XXXX XXXX XXXX XXXX XXXX. Ruined his birthday, my rent and bills are about to be due again!!! My work checks come to this account! This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XXXX XXXX XXXXXXXX XXXX XXXX However XXXX the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
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

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Background & situation : I have an Apple Card that is issued by Goldman Sachs. I received the card in XXXX XXXX  with a {$1500.00} credit limit. I had some financial emergencies in the fall of this year, fell behind on some payments ( not with my Apple Card ) and took out a loan from my XXXX to catch up. My bank told me the check would clear by XX/XX/XXXX but they decided to hold it longer because it was a large check ( I had to call the bank to correct ). I had made a payment to my Apple Card on XXXX but it was declined by my bank. I then made a payment on XX/XX/XXXX and called Goldman Sachs to tell them what happened. Because this payment was declined and other creditors reported that I had late payments, my credit limit was downgraded to {$800.00} on XXXX I did not know that this downgrade was happening and made payments totaling {$1400.00} on XXXX XXXX  and XXXX. 

Situation : I paid {$1400.00} and I spent {$600.00} by XXXX On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. Now they're saying that my only available credit is {$190.00}. However there's {$680.00} that is unaccounted for and Goldman Sachs is saying that they do not owe me the money. The customer service agent didn't understand the issue and didn't take the time to understand it. So we didn't get anywhere through both phone and text support. I'm at a loss and don't know how to get my money. 

SUMMARY OF NUMBERS CITED : Balance on XX/XX/XXXX : {$1400.00} XXXX payments : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$880.00} on XX/XX/XXXX TOTAL PAID FOR XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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 always get charged an over draft fee or random fees, but I always have the exact amount that needs to be withdrawn and I still get fees I've talked to Wells Fargo but they always tell me sorry there is nothing I can do and I'm always stuck pay fees

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 monetary relief
Consumer complaint received 2023-12-27 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
GAVE NOTICE ON XXXX XXXX XXXX AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XXXX XXXX XXXX  DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. 

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Was not notified of breach I'm a first call member capital one class action lawsuit. 

Have contact and only was had up over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief