vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 XXXX XXXX XXXX  XXXX Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have contacted Capital One Bank several times because they have a hold on a {$440.00} payroll check that was deposited via remote deposit XX/XX/XXXX. 2021. I was told by Capital One that we ( meaning both me and Capital One on the phone together ) to verify that the check is good. So each time they have called and they can not get in contact with the office manager at my old place of employment. They also offered to contact the issuing bank to verify the check as well. When they called to verify the funds with the bank, Capital One said the wait time was too long and I would have to call back. This has been going on for over two months over a {$400.00} check. The check has cleared XXXX XXXX, which is the bank that my previous employer uses and they confirmed with me that the check was good. I went into XXXX and tried to call Capital One and tried to verify the check that way and they refused to speak with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank is violating my consumer rights by holding my private funds for a transaction that happened seven ( 7 ) years ago. This restriction on my account is a violation of 15 USC 1692 as well as 15 USC 1666d as the account and the balance thereof shall be handled according to the consumers discretion. I have notified them that I have been a victim of identity fraud and identity theft and any prior accounts were a result of this fraud and theft that has taken place. Fifth Third Bank shall release ALL my funds immediately in the same nature that it was deposited to my account and shall remove any restrictions to said account. As the account belongs to the consumer pursuant to 15 USC 1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 CAPITAL ONE BANK USA99 Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - -Date Opened : XX/XX/2019 XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$760.00}

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 explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MI

Complaint narrative:
I've been disputing a fraudulent account that has been reporting on my credit report. The company is Discover Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted XXXX to dispute this account. 

Spoke with the customer service representative and was told to contact Discover. I called Discover Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. Discover sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide Discover with a letter stating I have only lived at one address in the complex. And as of today XXXX and Discover are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and XXXX nor Discover Credit Card has upheld this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I reported an error transaction almost a month ago, I have not received a provisional credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I've been banking with Atlantic union bank for several years and didn't think that they would not have my back. I filed a fraudulent claim XX/XX/XXXX for a deposit that was sent for a home that I never received for {$1000.00}. I even filed a police report to try to get some explanation. The bank simply denied it less than a week indicating " no error occurred '' and I'm baffled. I contacted the bank and the same explanation abt " not having a recourse '' for this claim. How do I know my money is safe in a bank when they don't help me in my time of need?

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 2022-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I requested a payoff quote for my vehicle from XXXX. They emailed me a quote the same day showing a payoff amount of {$3600.00} with a expiration date of XX/XX/XXXX. On XX/XX/XXXX I sent in the full payoff by check. 

On or around XX/XX/XXXX they attempted to withdrawal my car payment, even though they had the payoff funds. I called the company to ask why they were pulling a payment. I was told that they did have the funds, but they had not been processed yet. They said to place a stop on the payment with my bank, as the loan would be satisfied in the next few days. 

Now they are telling me that my loan is not satisfied unless I make that payment, but I paid the amount listed on the payoff quote long before the expiration date. 

I think they held my payoff funds to exploit another payment from me. They have tried to pull that payment again, which caused my account to be charged a NSF fee. 

Ive spoken to an Operations Manager named XXXX several times. On XX/XX/XXXX he verified that the funds to payoff the loan were in suspense and would be applied over the next two days. He promised me a call back on XX/XX/XXXX, which never happened. 

I called back today XX/XX/XXXX, and was told that the payoff was short by the monthly payment amount of {$230.00}. 

Why would they try pulling a payment when they had the full payoff amount in hand? 

This company is trying to exploit XXXX 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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DigniFi
State: NY

Complaint narrative:
In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called Dignifi. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called Dignifi and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from Dignifi and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
GOOD AFTERNOON, I AM HAVING A MAJOR ISSIUE WITH CITIBANK. WHENI HAD CITIBANK, AT THE BEGINNING I DIDN'T HAD ANY PROBLEMS WITH THEM TILL THEY PUT AN FRAUD ALERT IN MY ACCOUNT. THIS FRAUD ALERT WAS DATED ON XX/XX/2021 AND IT STILL YET HAS NOT BEEN RESOLVED. THE REASON WHY I HAD THIS FRAUD ALERT WAS BECAUSE UNFORTUNETLY I GOT SCAMMED BY A LADY WHO I STARTED WORKING FOR HER ONLINE TO DO HER ERRANDS AND WAS PAYING ME THROUGH XXXX. WHEN YOU GET PAID BY XXXX, UNFORTUNETLY, YOU DO NOT KNOW WHERE THE MONEY IS COMING FROM RIGHT. SO WHEN I WENT TO THE BRANCH TO TALK TO A FRIEND OF MINE WHO WORKS THERE SHE EXPLAINED TO ME WHERE THE MONEY WAS COMING FROM. IT TURNED OUT TO BE THAT THIS LADY WAS PAYING WITH SOMEONE ELSE 'S UNEMPLOYMENT CHECK AND THAT'S WHY CITIBANK PUT A FRAUD ALERT IN BOTH OF MY ACCOUNTS CHECKING AND SAVINGS. WHEN I CALLED THE FRAUD DEPARTMENT I EXPLAINED TO THEM THAT I HAVE NOTHING TO DO WITH THAT AND THAT I'M INNOCENT BUT THEY SAID THAT I NEEDED TO WAIT 30-90 DAYS SO THEY CAN INVESTIGATE AND NOTHING HAS BEEN DONE. I CALLED EVERY TWO TO THREE WEEKS AND THEY ALWAYS TELL ME THE SAME THING. I HAVE VISIT THE BRANCH SEVERAL TIMES AND THEY SAY I HAVE TO DEAL WITH THE FRAUD DEPARTMENT. AS YOU CAN SEE THEY HAVE ME BACK AND FOURTH AND STILL THIS PROBLEM DOESN'T GETS RESOLVE. WE ARE TALKING HERE OF ABOUT {$7000.00}, THEY HAVE MY SAVINGS, MY TAXES AND SOME OF MY STIMULUS MONEY ON HOLD. I DO NOT FIND THIS FAIR, I HAVE XXXX KIDS WHO DEPENDS ON ME AND I DO NOT WORK FULL-TIME PLUS WE ARE ON A PANDEMIC AND IS LIKE THEY DO NOT CARE. I DO NOT RECEIVE ANY UPDATES FROM THEM UNLESS I CALL THEM. PLEASE HELP ME WITH THIS SITUATION. THIS IS SO FRUSTRATED AND I CAN NOT DEAL WITH THIS NO MORE, I NEED YOUR HELP.

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 monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with CFPB about Portfolio Recovering Associates ( PRA ) reporting three unknown accounts with credit reporting agancies. They responded revealing the original credor names and inaccurate dates of when those accounts were closed and charged of to them. 

I would like PRA to correct the records to match the original credtors, whom I contacted, with all credit bureau reporting agencies as follows : XXXX ( XXXX XXXX, account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MO

Complaint narrative:
I have been making payments to XXXX XXXX XXXX on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by IQ Data International. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So IQ data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Try to freeze my credit but was unable to

Company response to consumer: Closed with explanation