vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: MO

Complaint narrative:
They froze my account to where I cant access any of my funds XXXX  direct deposited money. Also they still allowed my direct deposit to be put into the account that they have on hold/froze. They refused to explain why this is happening. They simply say to re open, close or for me to do anything with my funds I have to provide - photo id, selfie id with my photo id, prof of address. I have provided but so far they have rejected what I sent even though they are documents I was told they accept. They want complete images of these, I dont feel comfortable providing other complete account info and private information. Thats not ok to require. And an explanation of funds deposits and withdrawals. My deposits are direct deposits, some cash deposits from cash remodel work, and life insurance payment from uncle passing. Withdrawals has been at casino to gamble. Usually I withdraw money and hopefully put it back into bank later and maybe even some extra if I win some. My cash deposits has not been excessive or large amounts. Less than XXXX in over 45 or more days. And it closely matches my withdrawals located at the casino. I feel they are holding my funds and income hostage. I need to get gas to get to work, buy medicine, pay rent and buy food. I cant do that with them putting my account on hold. Is this legal? They following all rules and laws? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Contacted Capital One Credit Card services before my due date and was told couldn't apply for hardship help because my account was still in good standing. They contacted me after the I missed my first payment after XX/XX/2024, which I let them know that I needed hardship assistance. Capital One representative told me that I still had time to make a payment. I assured them that I wasn't sure if I would be back to work. In XX/XX/2024, after missing my second payment a customer service representative called to inquire about my missed payment which I stated I needed a hardship assistance. The representative told me because I had only missed two payments they couldn't help me. Hardships are for six or more missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to file a formal complaint regarding a collection charge off account associated with my XXXX XXXX XXXX and account number ending in XXXX which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 2 ) ( a ) ( i ). It has come to my attention that Capital One has failed to adhere to legal obligations concerning the treatment of charged off accounts and the provision of necessary tax documentation. Under the FCRA, a charge off is considered income for the consumer and is subject to specific regulations, including the issuance of a Form 1099-C to the consumer for tax purposes. Despite the charge off of my account, I have not received any Form 1099-C from Capital One, as required by law. This failure to provide necessary tax documentation is a direct violation of my rights under federal law. Furthermore, the absence of proper documentation regarding the charge off account raises concerns about the accuracy and completeness of Capital One 's reporting to credit bureaus. As a consumer, I have the right to accurate and fair reporting of my credit information, and the failure to provide essential documentation undermines this right. I made a payment certified mailed to Capital One on XX/XX/XXXX with my Restrictive Endorsement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Regrettably, I was ill and unable to make a payment to my credit card. I have been a valuable Wells Fargo Account Holder for over 25 years! As soon as I found out that my account was past due, I paid the account and called customer service to explain I never received the billing statement. Additionally, I requested a late fee that was denied. I can't believe that such a multibillion-dollar bank won't show a valuable customer some grace an empathy. I will be looking closing all my accounts and moving to XXXX XXXX Bank.

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 2024-02-23 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
COMENITYCAPITAL/CENT Account type - Charge Account Date opened - XXXX XXXX, 2019 Above Account created under COMENITYCAPITAL/CENT without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but Transunion is reporting this information. 
This is a violation of Metro2 regulations. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. 
There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 
If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: IN

Complaint narrative:
okay I had a charge taken out of my account and the transaction was, Bright Money, Membership, XXXX I did NOT sign up for any kind of membership with them. I tried contacting them on the phone and TWO times after hearing that I was trying to dispute the transaction the person on the other end of the phone starts saying they can't hear me and will hang up in 30 seconds if nothing is said.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting debt that has already been removed due to timeline and validation of debt. 

This is against FCRA that a creditor cant keep asking debt that was never validated in time and then placing back on my credit. 

XXXX removed this debt and follow suit actions were previously followed by XXXX and Experian now debt is back on my credit illegally. 

XXXX XXXX XXXX {$4700.00}

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 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am formally notifying your company that if the appropriate steps to rectify the inaccuracies on my credit report are not taken immediately, you will be in violation of federal law. Upon contacting the banks, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb. You are required by law to respond to me within 15 ( FIFTEEN ) days, and failure to do so will result in serious consequences, including potential fines of up to {$1000.00}. Upon con Please provide me with detailed procedures taken when obtaining the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: AR

Complaint narrative:
My chime credit builder card was stolen on XX/XX/2024 along with my wallet and phone. Police report made. Chime was notified on XX/XX/2024 when I was able to get into account and found the unauthorized charges totaling XXXX police report provided to chime. They denied my dispute in less than XXXX hrs. I reopened dispute XXXX more times and was immediately denied. The information received by chime as the documents used to deny my dispute was my original dispute information and the police report. I am attaching the emails denying my dispute. As well as the documents they used for denial. They blacked out the info on those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-02-23 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Legal Team has stated and confirmed as per XXXX  ( Wells Fargo employee with Legal Team ) that accounts XXXX, XXXX, and XXXX were closed in XXXX, however, attached is documentation from Wells Fargo on these accounts being accessed in XXXX - so not closed. In addition, they still have not produced accounts XXXX, XXXX, and XXXX for going on XXXX  months now since initial request and subpoena. In addition, still have not produced any records for Safety Deposit Box closed in XX/XX/XXXX as per the customer visit summary provided, nor how they were closed as lost or they can not find.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I keep getting phone calls from this agency stating that I owe them. I explained that they have the wrong person and they continue to call and put things in my credit report without my consent...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: MD

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-02-23 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: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a XXXX and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a XXXX form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # 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 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, XXXX, XXXX, TRANSUNION and all, are reporting on my credit report and file without my written consent.

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 2024-02-23 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: TX

Complaint narrative:
Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, EXPERIAN, XXXX, XXXX and all, are reporting on my credit report and file without my written consent.

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 2024-02-23 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: NV

Complaint narrative:
My information was breached on the dark web. Wrong account was showing as collection/chargeoff for {$290.00} from XXXX XXXX Please remove it completly

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