vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: NJ

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 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 2023-09-01 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: Experian Information Solutions Inc.
State: NJ

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 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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a Capital One Walmart XXXX XXXX XXXX XXXX. The account was in good standing the problem began when I lost the card in XX/XX/2022, I called Capital One to request a new card. I was told I would receive it in 5-7 days. After the seven days I never received the card I immediately called the company back and I was told I wouldnt receive the card until I sent proof of my identity at first I didnt mind initially they wanted my drivers license, ssn card, and copy of my bank statement all the things I had to submit to open the account in the beginning. Which was two months prior to this issue. Needless to say they gave me the runaround I was told they would follow up the never did. I went back and forth with them from XXXX till XX/XX/2022 down to the point I was conferenced in with my bank along with Capital One to verify my address. After that I thought it was finally over and they would send the card. They never did they claimed that I didnt send them the proper documents when I did several times. I was so frustrated their customer service was horrible all the hundred plus people I spoke to there, no one properly notated the account. Constantly repeated myself over and over nothing was resolved. Essentially they closed this account my credit score dropped tremendously. They lied to cover themselves I never have dealt with anything like this ever. They said they put a fraud alert in the account because I hadnt had the card long enough and had already lost it and was requesting a new one. They would change what they wanted me to send in as proof of my identity and address they wanted proof of my salary which was ridiculous. The way they carried on someone would have thought this account had a XXXX credit limit. Because the new person that I would speak to wouldnt look at the other pages in the account they would tell me I hadnt sent in the necessary documents. This was so frustrating, I got to a point where I had ask to escalate my issue to the executive offices and by the way the account was in good standing with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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 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 2023-09-01 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: NY

Complaint narrative:
Transunion was, according to their own report, required to remove XXXX XXXX XXXX as a closed account since the statue of limitations requires it. I have been unable to get through to them by phone and filing a complaint, or even getting my credit report, is impossible since they always have server problems.

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 2023-09-01 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: NY

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-09-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, Experian & the employees thereof

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 2023-09-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, Experian & the employees thereof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IN

Complaint narrative:
I opened a checking account 4 to 5 months ago and had $ XXXX in the account. A {$17000.00} wire transfer was sent and deposited in the account 18 days ago ( XXXX XX/XX/XXXX  ). On XX/XX/XXXX I received a letter stating the account was closed with no reason given. I was also cutoff from seeing the status of my account online. That same day I delivered a letter to the manager of my local bank stating that over {$20000.00} of funds I needed to subsist on were being unjustly withheld and that the {$20.00} charge for the wire transfer was unfair since, due to unjustified impounding funds, I received no benefit. Numerous phone calls to customer service yielded no useful information. The local manager had no explanations, stated that my account had a XXXX balance, and promised to forward my letter to higher management.

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 2023-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I started a personal loan with world finance XXXX of XXXX for {$1500.00}. The payback would equal out to {$3500.00}. As XX/XX/XXXX comes around I find myself struggling again to pay my rent and all of a sudden I received a text message from world finance. The message was asking to refinance my loan and receive money and lessen my monthly payments. Of course I agreed to the new terms. I came to find out later I had restarted another loan starting the repayment plan all over again. I was months away from paying off the first loan when I received that message. I only received {$400.00} for the refinanced loan and have to payback XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Brought a vehicle from us auto sales in XXXX made all my payments even wen they switched to westlake car was still repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2023 there were multiple bank reserve charges on our account. We called the bank because our balance went from around {$380.00} to negative - {$150.00} something and were told to let it cycle out and it would be fixed. The following day our account was even worse in the negative at around - {$550.00}. We noticed multiple fraudulent charges on the account. This included an atm withdrawal of {$500.00}, another XXXX atm withdrawals of respectively {$22.00} dollars and {$42.00} dollars. There was also a check that was cashed. A check that shouldve been flagged because of how it looked like multiple pieces of information posted together on a piece of paper. The check was made out to cash express, where we immediately went to the local store to verify it and was told XXXX. That doesnt even look like a check XXXX. Everything the company does is electronic, no paper checks are printed. Immediately I knew our account had been compromised and my husbands information was being used to make fraudulent charges. We called the bank again because still by this time we had received no communication of any sort of a data breach or anything about this supposed bank reserve glitch. When speaking to the bank they denied that was an issue and began reading from her script about how there was a glitch and to let everything play out and it would be fixed. I had to yell at her to tell her theyre allowing fraudulent charges on our account, where she transferred us to that department. The fraud department then tells us there isnt anything they can do until all charges go through. I demand they shut off the atm cards because apparently that never occurred to them. He then tries to sell us the option of having pictures on our new atm cards that theyll be sending out. The bank has yet to hold up their end of the contract we sign when we open an account. Not only did they steal my {$300.00} balance, theyre charging me over draft fees related to their glitch and data breach as well as comprising our personal and financial information. XX/XX/2023 they have yet to resolve anything and are still charges overdraft 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 explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am part of a " shopping rewards '' program at CapitalOne for ~2 years. I tried to redeem some of the rewards back in XXXX, XXXX for a gift card. They have not been able to redeem the rewards yet and have not followed up with a reason or any clarity in the matter. 

After not hearing back from them for months, on XX/XX/XXXX, I got an email from them stating that my account has been suspended. " We regret to inform you that your Capital One Shopping account has been suspended. We reserve the right to suspend your Capital One Shopping account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One Shopping on your specific browser type. We appreciate your understanding. XXXX ''. 

They provided no information as to why the account has been suspended. I tried to follow up with emails ( XXXX XXXX XXXX XXXX ) try to gather more information. They have sent me the same rote language back each time. 

I hired a lawyer to try and get more information from them on my account. They refused to talk to him, but provided the same information as they sent me in their email dated XX/XX/XXXX. The lawyer sent them a letter ( dated XX/XX/XXXX ) requesting that they contact me and provide me with information, but I have not heard back from them. I followed up with an email on XX/XX/XXXX with the lawyer 's letter attached and got no further response. 

This is their website XXXX XXXX XXXX XXXX Their email is : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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 2023-09-01 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: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I paid {$170.00} to XXXX then XXXX took another unauthorized payment for the same bill of {$160.00} on XX/XX/XXXX. I called XXXX about extra payment I was told the XX/XX/XXXX payment was returned. I called Chime Bank an requested my Bank Statement for the month of XXXX to confirm that I never received a return of payment. Just like I thought I did not receive any return of payment, now if I can see the money went out but never came in my bank should definitely be XXXX to see that. I disputed the transaction an within a hour or two Chime Bank denied my claim. I wan na know what did they investigate, if its their policy to investigate consumers claim what exact measures was taken cuz anyone should be able to look at my statement an see I paid XXXX twice. I expected this to be a easy fix everyone on the XXXX side as well as Chime Bank shouldve been able to identify there was a mistake an none of my own but possibly the systems fault as humans we should be able to catch it an fix it. So Chime Bank didnt investigate anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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