vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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:
My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My checking account was suspended and they asked for id verification I did that but they needed more documents including my ssn. 
I sent all of it and the reply window was 24 hours but its been more than a week and I cant log into my account or move my money from the account and i tried to contact them multiple times but still no progress

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX a XXXX transaction was completed to an account in the amount of {$3200.00}. This payment was intended to go to my new landlord as I was relocating for work. Due to a typo this payment went to a man which I have the name of. When realizing this mistake I contacted the phone number in order to attempt to resolve this issue without involving the bank. After a few days he blocked me and intends to keep the money. I contacted capital one support and opened a claim. After 9 days the claim was denied. Upon contacting capital one I got ahold of a supervisor who told me that due to XXXXXXXX XXXX terms of service, the policy was to deny these claims and I would not have the option to appeal. I have this conversation recorded. This is very clearly a problem because XXXX is covered under the CFPB regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to express my deep frustration with the ongoing inaccuracies and potential violations of my consumer rights as reported by Experian. This is my fifth letter regarding this specific issue, and I am disappointed that the CFPB has not taken sufficient action to address these problems. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Potential Violations : Inconsistent Account Status : The account is simultaneously listed as " Charged Off '' and " Closed. '' This is contradictory and may be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Past Due Amount on a Closed Account : The account shows a past due amount of {$150.00}, despite being closed. This is inaccurate and may be a violation of the FCRA, specifically 15 U.S. Code 1681c. 

Inaccurate Payment History : The payment history shows inconsistencies and potential errors, which could be negatively impacting my credit score. This may be a violation of the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Missing Form 1099-C : I have not received a Form 1099-C for the tax year in which the account was charged off. This is a violation of IRS regulations and may also impact my tax obligations. 

Potential Privacy Violations : The reporting of inaccurate information on my credit report may be a violation of my privacy rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681g.

Potential Violations of the Fair Debt Collection Practices Act : If any debt collection practices have been employed in relation to this account, they may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692.

I am concerned that the CFPB is not conducting adequate due diligence in investigating these complaints and enforcing consumer protection laws. I urge the CFPB to prioritize this matter and take immediate action to resolve these issues. 

I have attached copies of my credit report to support my claims. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2024-11-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency ransunion, Equifax, and XXXX, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: OH

Complaint narrative:
I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency XXXX XXXX, and Experian, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my 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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX I called to find out that my account was closed due to a transaction I made to pay my bill on XXXX XXXX of the amount {$700.00} that bounced from my XXXX XXXX XXXX account because I was mid transferring banks. I turned around and added my wifes XXXX XXXX card because I didnt have mine yet and payed the full amount of {$1100.00}. 
A week or 2 went by with me not using my card and when I did it got declined everywhere and had to call to find out they closed my account with no email stating my account was going to be closed or was at all. I proceeded to ask for this info 3 different phone calls and was told they would still send the information and never did. I was told my account could not be reopened and also got declined for making another account with discover. They screwed up my credit score by XXXX for closing my account with out probable reasoning and cost me 6 months of hard work to build low interest and a {$2000.00} credit limit with them. I would like to get my credit limit back of {$2000.00} limit on a new or same account with low interest. I would also like my credit score of XXXX disputed, to get my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Around XX/XX/year> Capital one sent me form letter for capital one and Wal-Mart account saying they will replace my MasterCard by XX/XX/year> with Quick Silver credit card.But capital one got sued by Wal-Mart for XXXX XXXX XXXX for bad customer service.I was supposed get paid portion, never got it or credit to my accounts.Capital one customer service has many problems, because of non clear speaking representative.Everytime i call in i get someone dont speak clear or don't understand my situation.I waste to much of my time as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXX so many problems with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had 2 brokeage account with Fifth Third Securiteis and cancelled one of the accounts on XXXX. 
During the phone conversation for cancellation, the agent told me that {$120000.00} or somewhere around that amount is transferred to the savings account and did not mention about portfolio service fee/managed account fee of {$330.00}, however, {$330.00} was subtracted without any explanation or information. 
Payment schedule for the management fee occurs every 3 months ( end of XXXX, end of XXXX, end of XXXX, end of XXXX every year ) ( I dont see any reason to be charged a service fee nor managed account fee in XXXX, I was told there was no fee to liquidate when I contacted Fifth Third about this account and I paid upfront fee when I opened my account. I would like to request a refund of {$330.00}. 

I sent an email with the above information to my advisor ( XXXX XXXX XXXX, he works at XXXX XXXX branch in XXXX Ky XXXX in XX/XX/year>. He never replied, completely ignored my email/phone calls. I complained via SEC, but nothing happened. He has been my investment advisor for over 10 years, I have been paying management for over 10 years, I just can not accept the fact that he has been ignoring me and just receive management fee for doing nothing. He needs to explain the reason for the last service fee and I need to receive a refund of {$330.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: CT

Complaint narrative:
This is a prepaid award card issued by XXXX XXXX  and administered by North Lane Technologies. Sales commissions are put onto a debit card. 

My account number was stolen and used multiple times between XX/XX/XXXX - XX/XX/XXXX. I contacted the bank multiple times by phone and email to resolve the issue over the last three months. It was so difficult because somehow they didn't have my correct address. I had to prove that it was my account. Finally, I was sent a fraud form on XX/XX/XXXX which I completed and tried to fax it 9 times over 5 days and it would not go through. They said that I had to either fax it or mail it ( I could not scan and email it ). I mailed it on XXXX. I kept calling to see if they received it. They claim that they never received it so I then sent it registered mail on XX/XX/XXXX. The finally received the fraud form and said it would take 30-45 to investigate. I just received notification today, after I inquired, that they only accept 2 of the charges as fraud and that the other $ XXXX was my responsibility per the terms of the debit card. 
It has been 3 months of trying to resolve this issue with a bank that will not contact me. Even with everything that has been going on, when I check my account they had a different name on it again and a different telephone number. I am BEYOND frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
XXXX XXXX Sincerely, these are the accounts 1. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/year> I received a phone call around XXXX from a local number. I waking up as answering the call. When I answered a woman used my first name and stated she left a package at my front door. I said, " okay thank you ''. After hanging up I open my door and don't see any package there. I called the number back and let the woman know I don't see a package and that I live in a separate dwelling from the main house. She yelled and cursed at me stating she saw me pick it up. I said I didn't see any package at MY door. Within five minutes there is banging at my door. I open the door ajar and a short, chubby XXXX woman with brunette hair uses her elbow to shove my door open and then throws paperwork in my face. Shocked by this I grab my phone and go out to my driveway to film her, her vehicle and her vehicle license plate. Her vehicle is parked at the end my driveway. She attempts to grab my phone and states. " the judge will hear about this and that she's allowed to be in my driveway because its public property ''. I let her know that my driveway is not public property and I'm allowed to film the person that just assaulted me. I attempted to get her license plate and that is when she tried to grab my phone out of my hand, punches me in my right eye, pulls my hair, stomps on my feet and chokes me. We proceed in a struggle where she tries to break my fingers. I'm trying to film while this is all happening. She eventually gets on her phone where the person on the phone tells her to drive off. I proceed to call 911 and report the incident. I also look at the paperwork and contact the office and let them know what happened and that I want the name of the individual because I'm filing a complaint. The police arrive around XXXX. I submit a statement and have a copy of the event #.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested. 

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently. 
Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.

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 2024-11-05 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: Chime Financial Inc
State: VA

Complaint narrative:
Chime is in violation of my consumer rights and per consumer law I am entitled to settlement financially for each violation in the amount of {$1000.00} per violation I have made this clear several times and yet they still continue to report on my consumer report

Company response to consumer: Closed with non-monetary relief