vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK GROUP, INC.
State: VA

Complaint narrative:
I opened a checking account on XX/XX/year> with {$25.00} deposit with Independent Financial Bank based in Texas. Later on XX/XX/year> XXXX paid me {$3900.00} which was direct deposited in this checking account. It's been over 1 month ( since XX/XX/year> ) and today is XX/XX/year> and the available balance still shows {$25.00} ( my initial deposit ) but the current balance shows {$4000.00} ( including the above {$3900.00} payment from XXXX XXXX ). I have tried several times to send messages and even called their phone number several times to clarify the issue so I can have access to my funds. After multiple attempts I am unable to get them to respond or update the current balance so I can withdraw the money. Also I was never sent a debit card so I can't use a debit card to withdraw my money. 
It is frustrating that I can not withdraw my own money and they are holding my funds hostage without any explanation. Please help me get my money. I will appreciate your help. I have provided my address I used to open this account online. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX PS : Let me know if you need any other information to resolve this issue.

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 2024-08-01 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: NY

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 2024-08-02 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
On XX/XX/XXXX I requested to close my account with XXXX ( which had just been bought by XXXX ). They agreed to close the account and in XXXX the following month I paid our last bill. I had heard nothing more regarding this until yesterday I was notified of a collection account added to my credit reports which negatively impacted my credit in a large way. 

Today XX/XX/XXXX I reached out to XXXX through the customer service line and talked to a rep and a manager for 2hrs. Claiming that they reported over {$700.00} to the credit bureaus for non payment. Stating that they had not a single transaction in their system of any payments made on my account for the entirety of my service with them ( almost two years ). 

I then began to dig into my bank history and retrieved each payment transactions to XXXX ( now XXXX ) up to the final bill after I cancelled service. They refused to acknowledge those transactions stating that they needed the confirmation numbers provided by them for the payments in order to retrieve any lost payment history that " was no longer in their system ''. The call ended in the manager telling me without those confirmation numbers she can do nothing for me. 

I then took to XXXX to try and find any source to reach out to at XXXX. I found the media teams phone number at headquarters and called. A woman by the name of XXXX answered and said she could take a message of my concern and pass it along to the team but wasn't sure if they'd even get back to me. She also said " otherwise I'll just transfer you back over to customer service line ''. 

I do not owe this debt, and I switched companies for Internet for countless issues with service and being wrongfully overcharged. But when I closed my account I didn't owe anything. It is wrong for this company to do this, and it's worse that the customer service members are not only in another country and give no care to help you, but that there are no other avenues to assist you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
I filed a dispute with Telecheck for stolen checks/forgery. They were quite quick in agreeing with me that the items were in fact fraud. I received a letter confirming the same. I called in to Telecheck to confirm I could start writing checks again. The rep said they'd stay on there until XX/XX/year>. How is that fair or compliant with FCRA? They're fraud, they should be IMMEDIATELY removed. I faxed a letter to them telling them to get these items removed ASAP or else I'd file complaints with CFPB and my attorney. No response AT ALL. Called about 45 minutes ago and got a supervisor. She talked in circles. She said the fraud items would stay on the report but would " be marked as fraud ''. I want them off. She also said I could start writing checks again but they couldn't guarantee approval. I asked her four times what that even meant. We were just going in circles at that point so I just ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting ( please see attached )

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 2024-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
We leased with XXXX XXXX a 2021 XXXX for XXXX years. During our initial meeting and contract discussions they said additional insurance was a good idea for normal wear and tear during the lease. We took the policy for inside and outside of the vehicle. Further we were told that if the vehicle was in good to excellent shape no return fees would be added at end of said lease. We had a cap of XXXXyear and returned the car with under the agreement miles and earlier than the due date of contract. The salesperson at the dealership we dropped the car off said it was in emaculate condition. I had the car detailed and spotless inside and out. They said we would receive a report after they inspected the vehicle with-in XXXX days. Again I was told there would be no further charges due to the condition of the car. I paid {$300.00} to get the car detailed and cleaned. 

Well about XXXX  days later we receive a statement the car was gone over and no charges. Then we receive a bill in the mail for {$530.00} + for getting the car ready for auction and dealers fees. Which we were told would not happen, but it sure did as it turns out. I called XXXX and explained what we were told and disagreed with the billing. We held up our part of the agreement and shoud not be billed for these fees. They said well it was in your contract, I said that the sales people said it would be waived because the car was in perfect condition. Then I'm told if I lease another car from XXXX we'll waive the fees. Now I have to say I was very upset with XXXX and called again to see what was happening with my dispute. They said there was nothing they could do about the bill. 

I explained I was in NYS visiting my Daughter and wanted all correspondence to come via e-mail which they had on file. We could not get our mail with our being gone. Then I took ill and was stuck in XXXX due to a XXXX and XXXX. In the process we found XXXX had damaged my credit which was excellent prior for not paying their fees. We decided to pay the fee versus trying to fight XXXX. 

We had a great credit rating that is now damaged because of XXXX and its sales group. I trusted the word of the sales people and we got used and abused. My friend worked for XXXX for XXXX years and he was appalled at what they did to us. We were never late on XXXX payments, plus on all our other loans and obligations ZERO issues. Now we are refused a loan because of XXXX and my dispute. From STELLAR credit to POOR because we did not agree with a corupt car group and our crooked banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 explanation
Consumer complaint received 2024-08-01 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: RI

Complaint narrative:
On XX/XX/2024, there was a hard inquiry placed on my credit report on all XXXX credit bureaus On XX/XX/2024, I received an application for a XXXX XXXXXXXX credit card under my name On XX/XX/2024, I called XXXX XXXX and informed them that it was fraudulent. They marked it as fraudulent and told me within 60 to 90 days it will be removed from all XXXX credit reports. 

At the same time, I put a fraud alert and froze my credit on all XXXX websites. I also filled a FTC and a police report the my identity was stolen. 

On XX/XX/2024, I called Transunion informing me that my hard inquiry was still on my report. My case was then escalated and I was told that a supervisor would call me within 3 days. 

Fast forward to today XX/XX/2024, my hard inquiry is still on the report and I did not receive a call from a supervisor. Customer Service confirmed that they could see my documents under a specific case number This is unacceptable and my hard inquiry needs to be removed. XXXX and XXXX already removed my hard inquiries.

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 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I told them multiple times to stop calling me in the past and they continue to call me including one time late at night recently even though it says on XXXX that my account with them is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-02 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: MS

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; 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. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX  XXXX XXXX  Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Account : 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