vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX2024 I deposited a check in the amount of {$27000.00}. On XXXX XXXX, 2024 I checked my account and it stated the funds were available. I withdrew the amount of {$2000.00} on XXXX XXXX, 2024. On XX/XX/XXXX2024 I checked my account and noticed the bank had frozen the cashier 's check for {$27000.00} after the funds were already released. This caused several of my payments to creditors to be reversed which caused a lapse in my payments and possible legal action against me from my XXXX. 

I called the bank and spoke. The check was a cashier 's check from XXXX XXXX XXXX XXXX. 

I needed the money to pay bills and go on vacation. The bank told me my funds would be available on the XXXX of the month. 

I do not have a debit card with my savings account and needed to transfer money to other banks that I did have debit cards for to access my funds while I was on vacation. my XXXX bank account to capital one. The bank account was verified with XXXX deposits from capital one. I then did a transfer for {$800.00} and capital instead sent a deposit of XXXX cent instead of the transfer of {$800.00}. I also tried to do several XXXX payments to family and the account said that it was blocked because of unusual activity. I called capital and they stated over the phone that the account was flagged for fraud. They asked me to verify my account by uploading my ID though a link and I did however capital one continue to block all my transfers with banks and with XXXX and with a wire transfer to my daughters ban. Someone by the name of XXXX stated that she was calling me about the wire transfer and was asking me all types of question about who was sending the money to and who this person was which was intrusive and unnecessary. I asked to a supervisor and she stated the transaction would be on hold until I spoke with XXXX. 

I am asking that you investigate this matter because I have an ex- works for the XXXX XXXX has been causing trouble in my life and believe this person is calling the bank making fake fraud claims. 

The person by the name of XXXX in the email is the person who is taking it upon herself to block my account. 


XXXX XXXX Account ending in XXXX Brith date : XX/XX/XXXX1975 Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
# # # Record of Interactions with TransUnion - XX/XX/XXXX2024 ( All times are XXXX XXXX XXXX, all calls were made from phone number associated with financial accounts ) XXXX. XXXX AM - Outgoing Call to TransUnion XXXX XXXX ) ** - Duration : XXXX minutes XXXX seconds - Actions : Provided social security number, address number, and zip code. 
- Outcome : Call was disconnected. 
XXXX. XXXX AM - Outgoing Call to TransUnion XXXX XXXX ) ** - Duration : XXXX seconds - Actions : Provided zip code. 
- Outcome : Call was disconnected. 
XXXX. XXXX XXXX - Outgoing Call to TransUnion XXXX XXXX XXXX** - Duration : XXXX minutes XXXX seconds - Actions : Provided personal information. 
- Outcome : Automated recording instructed to visit the website, then call was disconnected. 
XXXX. XXXX XXXX - Attempted Online Account Recovery via TransUnion XXXX - Actions : - Provided social security number and email associated with TransUnion account ( last used in XXXX ). 
- Result : Received an error message. 
- Retried using phone number, but encountered another error. 
- Followed a link on the TransUnion site that directed to a defunct XXXX XXXX XXXX XXXX. 
- Discovered another consumer affected by similar issues : [ XXXX  : XXXX ] ( XXXX : XXXX ). 
- XXXX XXXX @ TransUnion on XXXX ; received automated replies directing to the TransUnion social media contact form. 
XXXX. XXXX XXXX - Submitted XXXX XXXX XXXX XXXX via TransUnion XXXX - Actions : Filled out the [ form ] ( XXXX XXXX XXXX XXXX ) and later replied to the automated bot from @ TransUnion on XXXX. 
XXXX. XXXX XXXX - Attempted to Create a New TransUnion Account via XXXX - Actions : - Attempted to create a new account. 
- Result : Received an error message stating that an account already existed. 
XXXX. XXXX AM - Attempted to Recover TransUnion Account Using Advanced Recovery Options** - Actions : - Provided additional information including social security number. 
- Result : Received an error message.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Deposited a XXXX  Check that was verified using the " XXXX Check XXXX XXXX ''. 

The check deposit posted XXXX/XXXX/2024. On XXXX/XXXX/2024, I received an email that stated, " This money is subject to an extended hold because some information on the check is not consistent with other information on the check. If the check is not paid, we'll notify you by mail. '' I then spoke to several Ally Bank XXXX. I was told many things. XXXX XXXX  told me the funds had not been released by the other bank. A supervisor contacted the " back-office '' and said the check was being held due to high fraud rates on XXXX  Checks XXXX 

Regulation CC, Subsection B, Section 229.10 Next-day availability, States that the regulation requires that cash deposits, wire transfers, and certain check deposits that Congress believes pose little risk to the depositary bank, such as XXXX  checks and cashiers checks, generally be made available for withdrawal by the business day after the banking day of deposit.

Why is a XXXX XXXX  check that can be easily verified using the Treasury Check Verification System being held? I verified the check myself using the website. The check was verified, and the status was " Issued ''. 

Regulation CC, Subsection B, Section 229.12 Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the second and fifth business day following deposit, respectively. A local check is a check deposited in a depositary bank that is located in the same Federal Reserve check-processing region as the paying bank, and a nonlocal check is XXXX deposited in a different check-processing region than the paying bank. ( There are no longer any non-local checks. ) So, there should not be a hold past XXXX  days for any reason because there are no longer any " non-local checks ''. But, Congress ruled XXXX checks should not be held at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE 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 XXXX days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX  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 2024-08-20 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE 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 XXXX  days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX 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 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 2024-08-20 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: GA

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of 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 non-monetary relief
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.

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 2024-08-20 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 need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NY

Complaint narrative:
This is a predatory lending tribal business, loan went from {$1100.00} to {$4800.00}. I did not realize this illegal debt collection practice. My credit has also been ruined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My vehicle loans is serviced thru Satander Consumer USA. I cancelled my XXXX XXXX XXXX Contract and the Diesel Maintenance Plan for my XXXX XXXX XXXX with XXXX XXXX 's XXXX  XXXX XXXX on XX/XX/XXXX. I called the insurer and they stated that they cancelled the contracts on XX/XX/XXXX and sent a refund to the dealership for amounts {$2100.00} and {$2300.00} for a total amount of {$4500.00}. I spoke to the dealership and they stated they sent a check to Satander Consumer USA on XX/XX/XXXX in the amount of {$4500.00} but the check hasn't been cashed. I have contacted Satander Consumer USA on multiple occasions to verify that the refund was applied to my account, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I have been told they haven't received a refund from the dealership. I believe Satander Consumer USA has received the check, but their office has been negligent to deposit the check and/or apply the refund to my account and I am being charged a high interest rate on a balance that should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation