vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BCI FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I had a CD with totaldirectbank and wanted to elect for it to go into a savings account instead of a new CD. The bank did not make this easy. I opened a savings account with them intending to fund it with the CD but this didn't work so I ended up transferring more funds from my wellsfargo account to open it. Then I wanted those funds transferred back to XXXX XXXX quickly so I initiated a transfer request AFTER the required waiting period. Then I tried to transfer the full {$100000.00} but they imposed a limit of {$25000.00} per day so I set up 4 separate scheduled transfers on consecutive days. The first one processed to a pending state where it has stayed for 5 days, and they have canceled the others one by one on the day they were scheduled to execute. I have requested to close the account and have all of my funds transferred to XXXX XXXX immediately and they have advised that I will lose interest for the partial month of XXXX. Though I am not pleased with this I still request a complete return of my funds to my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not have an opportunity to dispute any information. a notification was not sent to me. Send me certified receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXX - XX/XX/XXXX - {$9000.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00}

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 2024-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have XXXX loans with Discover Student Loans they have now been transferred over to another institution. However it still shows me as having missed XXXX payments on the dates of XXXX XXXX and XXXX of XXXX  for both of them. I called to explain I had gotten severely ill with XXXX as I was an essential employee during those times working at XXXX XXXX XXXX XXXX. I called them to notify I would be missing payments for the next 3 months. They confirmed I would receive an extension and pause my payments without repercussion to my credit score payment history. But it shows no payment and late on those XXXX payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MS

Complaint narrative:
It's was XXXX loan of XXXX dollars an it was paid off an they took it off my report an broke the balance down into four different reports an put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
Good Afternoon, I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification. If in fact you believe I recieved proper notification Please provide the certified mail with a receipt with my signature on it, stating that I received it. 

Debt Collector : Synergetic Communications XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I have been a victim of a data breach, and these entries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$7800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$580.00} XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
My credit report contains incorrect personal information, which has led to an unknown and fraudulent account being added to my credit file. This account is the result of identity theft, where my personal information was used without my authorization. I filed an FTC identity theft report and submitted the necessary documentation to Experian, but this fraudulent account still remains on my credit report. These inaccuracies are negatively affecting my financial standing and causing unnecessary stress.

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 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  inquiry on XX/XX/year> i didnt Recognize it think not mine

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted my application with American Express with my Social Security number. I was denied my securities for reasons not stated in the Federal Reserve Act. My consumer credit transaction was denied not by the Board of Governors of the Federal Reserve System stated in Section 16 of the Federal Reserve Act. I sent two certified letters that expressed my rights as a consumer. I called American Express and spoke with an agent. The agent transferred me to a supervisor. I explained to the supervisor my rights as a consumer and she gave me an address to send a letter on behalf of the principal XXXX XXXX. I sent two letters that were received in XXXX and XXXX made a second call XX/XX/year> were a supervisor said they did not read or consider my certified letters.This is act of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: IL

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX account with the account number XXXX. Despite multiple attempts to resolve this issue with XXXX and Equifax, the problem remains unresolved. The XXXX  account, which was closed on XX/XX/scrub>XXXX XXXX XXXX is still being reported as open and negatively impacting my credit score. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. By continuing to report inaccurate information, XXXX and Equifax are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. It is evident that XXXX and Equifax are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. Recent reports have highlighted the XXXX shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel XXXX and Equifax to correct the inaccuracies on my credit report. Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a restaurant worker and chose Chase Bank to deposit my paycheck on XX/XX/scrub>XXXX XXXX XXXX based on its convenience and reputation among my coworkers. Many of my colleagues also use Chase for depositing their paychecks and have never encountered any issues. 

However, my experience has been very different. The check I deposited took approximately two weeks to be verified and was eventually credited to my account. Shortly after, my account was restricted without any clear explanation from Chase. 

On XX/XX/scrub>XXXX XXXX XXXX I visited a Chase branch as instructed and met with a banker to resolve the issue. The banker made a call to their internal team but was unable to provide any resolution or clarification. 

As of XX/XX/scrub>XXXX XXXX XXXX I discovered that my account had been closed entirely, leaving me without access to my remaining funds. I have not received any official explanation or guidance on how to retrieve my money or why this situation occurred. 

This incident has caused significant inconvenience, financial stress, and disruption to my daily life. I was unable to access my funds for an extended period, which affected my ability to manage daily expenses and financial obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau and Federal Trade Commission, I am writing to file a formal complaint regarding inaccurate information on my Equifax credit report. Specifically, Equifax has been violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by incorrectly reporting the payment date for my XXXX credit card account. 

According to my credit report, Equifax has been stating that my XXXX credit card is reported on the XXXX of every month. However, this is not accurate. I have included copies of my actual credit card statements, which clearly show the correct closing date for this account. 

Despite providing this supporting documentation to Equifax, they have continued to use the inaccurate information on my credit report. This has had a negative impact on my credit score, which I believe Equifax is using for their own financial gain in violation of the law. 

I have attempted to resolve this issue directly with Equifax, but they have failed to correct the inaccurate reporting. As a result, I am now turning to your agencies for assistance. 

I am requesting that the CFPB and FTC investigate this matter and ensure that my credit score is restored to its proper level, free of the incorrect information provided by Equifax. This unlawful conduct has caused me significant financial harm, and I expect a prompt resolution to this issue. 

Please let me know if you require any additional information from me to aid in your investigation. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-10 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:
I am writing to inform you that I am a victim of a data breach, and I have identified several fraudulent accounts and inquiries reported on my credit file. As these accounts and inquiries are a result of unauthorized activity, I am requesting that they be immediately blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
I have identified multiple fraudulent accounts on my credit report caused by inaccuracies in my personal information. This issue stems from identity theft, where my personal details were misused without my knowledge or consent. I followed the proper procedure by filing an FTC identity theft report and provided this information to TransUnion, yet the fraudulent accounts continue to appear. These ongoing inaccuracies are causing harm to my creditworthiness and financial opportunities.

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 2024-12-10 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and several accounts and inquiries reported on my credit report are fraudulent and do not belong to me. As such, I am requesting that these fraudulent accounts and inquiries be immediately blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the accounts and inquiries that I request
to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 writing to formally notify you that I am a victim of a data breach, and several accounts and inquiries reported on my credit report are fraudulent and do not belong to me. As such, I am requesting that these fraudulent accounts and inquiries be immediately blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-10 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:
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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
They keep reporting that my credit score is a 4 to companies that check

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