vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-05-25 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to dispute a charges of {$420.00} to my credit card account ending in # XXXX on. The statement is in error According to Federal Law 15 USC 1666d and my account is showing a positive balance not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I am being charge excessive overdraft fees. i can understand the bank charging fees but there should be a limited number of fees that they can charge.

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
The law clearly state 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 they send the information in section 1637b which they never do and they must mail it 21 days before the payment due date. I want proof that this information was mailed or delivered 21 days before the due date. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 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: TN

Complaint narrative:
I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt 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 2024-05-25 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: TN

Complaint narrative:
I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt 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 2024-05-25 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: TN

Complaint narrative:
I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt bondage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

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 2024-05-25 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: MI

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

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 2024-05-25 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: MI

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding their ongoing harassment, failure to acknowledge my XXXX XXXX  bankruptcy filing and incorrect reporting on my credit report for two credit cards included in my bankruptcy. 

In XX/XX/2023, I filed for XXXX XXXX bankruptcy, which was subsequently approved as of XX/XX/2023. As part of the bankruptcy proceedings, two credit cards issued by Capital One were included in the filing. Despite this, Capital One has persistently contacted me regarding late payments and has continued to report these accounts as delinquent on my credit report. Moreover, these accounts have not been closed as requested. This conduct is not only distressing but also illegal under consumer protection laws. 

I request that the Consumer Financial Protection Bureau take the following actions : Cease and Desist Telephone Communications : According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, a consumer has the right to request that a debt collector cease communication. Therefore, I demand that Capital One cease all telephone communications immediately. All future communications should be conducted in writing. 

Acknowledge Bankruptcy Filing : Capital One must acknowledge the inclusion of my credit card accounts in my XXXX XXXX  bankruptcy filing. The continuous attempts to collect a debt discharged in bankruptcy are in violation of the Bankruptcy Code, specifically 11 U.S. Code 524, which enjoins creditors from attempting to collect discharged debts. 

Correct Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), Capital One is obligated to ensure that the information reported to credit bureaus is accurate. As these debts were discharged in bankruptcy, they can not be reported as delinquent. I demand that Capital One correct my credit report to reflect the accurate status of these accounts and remove any negative information related to these discharged debts.

Close Accounts : I request that Capital One immediately close the accounts in question, as they were included in the bankruptcy filing and should not remain open. 

Request for Financial Reparations : Due to the distress and anguish caused by Capital One 's actions, I am requesting financial reparations of {$1000.00}. If this matter is not resolved satisfactorily, I may be compelled to file an official judicial request against the company for negligence in their reporting and failure to acknowledge my bankruptcy filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
Greetings, First and foremost, between XXXX and XXXX, I contacted LexisNexis Risk Solutions regarding my adult daughters ' vehicles and accident information being added to my clue reports. I verbally explained to XXXX  XXXX XXXX XXXX XXXX representatives before my policy went into effect that we don't share vehicles. 
Secondly, somehow an accident dated XX/XX/XXXX ended up on my claim 's history, and it was confirmed that I was aware of the incident when I wasn't. 
Third, I physically went in the XXXX, Georgia location and updated my new address in XXXX after I purchased my new vehicle. Recently, I never received a bill via mail or electronically since XX/XX/XXXX resulting in my insurance being canceled in XX/XX/XXXX. Prior to that, I would have to call the insurance company to receive my documents, receipts, and they would claim that they mailed it on their end. Normally, I have an extra 30 days to pay before the XXXX of each month. After I tried to pay my balance on XX/XX/XXXX, I was verbally informed that my policy cancelled due to nonpayment, they contacted me via text, and that they weren't going to reinstate my insurance. ( This was the wrong telephone number on file ) Prior to that, I was being harassed by the XXXX location over membership fee 's being paid. This was reported to the corporate office, and they agreed that I had 60 days. Recently, I contacted their corporate office in XXXX, Georgia, and it was confirmed that the wrong contact information was on file with XXXX  XXXX XXXX. This lapse of coverage and inaccurate information is causing me to pay much higher premiums. As a consumer, I have no control over unverified information being placed within my claim 's history by insurance companies to raise costs. 9 years ago, this was the same company that claimed that I had multiple tickets when I didn't. To make matters worse, XXXX  XXXX XXXX XXXX confirmed that I was aware of the incident mentioned above when I wasn't. Fourth, I believe that XXXX  XXXX XXXX has deliberately reported inaccurate information in order to raise their premiums. I'm asking for assistance with this matter. There's no letters at this time because waiting on the results from LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
I noticed the problem in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
I noticed the problem in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Since I opened XXXX account XXXX, I have transferred over {$500000.00} into it from my XXXX account. On XX/XX/XXXX I tried to transfer {$200000.00} out from my XXXX account to a new bank account and XXXX rejected my transaction. 
I called XXXX on XX/XX/XXXX to ask the reason. In the phone, their agent first verified my identify by checking my full name, XXXX, XXXX last XXXX and secret word and I all answered them correctly. Then the call got transferred to an account specialist. He told me the account was locked because using their own internal verification procedure, they were not able to match the phone owner name with my name. They opened a case to seek other ways to verify my identity. Meanwhile, I thought the unknown owner name might be because that I am under a family plan and my phone number only showed the family plan holder name so I had my plan holder to add my name on XX/XX/XXXX. On XX/XX/XXXX, I checked phonenumber looking up website and confirmed that I could find my name XXXX XXXX shown as the owner of my phone number XXXX. I called XXXX then to ask them unlock my account but they told my that they still cant verify my phone number. The previous case didnt get solved but it was already closed. Also XXXX side have never reached out to me to proactively solve the issue. 
I asked XXXX that if they could just return all my deposits to my original account and close my XXXX saving account but they rejected to that Given that I can find my phone owner online, there is no way XXXX can not verify my phone number but XXXX shows unwillingness to solve my issue and get my money back to me. 
Whats more, they didnt perform the same verification procedure when I opened my account and transfer my money in but put extra blockers when I tried to transfer money out. If they see a security risk in my phone number, they should not even allow me to open the account. 
Right now I have no way to get my money out even to my original account. I am so despair.Attached is the proof that my phone number is under my own name now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My name XXXX XXXX I need card number XXXX XXXX XXXX XXXX expire date and year XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX and online bank username is XXXX and I can't close my bank card out and account out and online bank access out when I call to ask them they say both of my numbers can't get a verify code and I told them I don't know my account number and they won't close my account out and my login out for my online banking and debit out they won't close that out too please close all them out for me and send me proof when y'all do etc. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX and Citi Reference Number : XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX XXXX my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX I still need help closing my account out I never received the code in the mail. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank 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 2024-05-25 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: VA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION ON TO MY CONSUMER REPORT. THERES NO ACCOUNT ASSOCIATED WITH THE ALLEDGED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit has continued to send me emails and postal letters even after being sent numerous debt validation letters and a cease and desist letter. They will answer the phone and then hang up. They refuse to validate the debt and now have reported to the credit bureaus the same debt but twice, which brought down my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.

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 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RECENTLY WAS DENIED FOR A MORTGAGE LOAN DUE TO THE FACT THAT I HAVE AN INACCURATE CREDIT REPORT. NOT ONLY IS THE ITEMS INACCURATE BUT THEY DO NOT BELONG TO ME. EACH CREDIT BUREAU VERIFIED ACCOUNTS THAT ARE STILL REPORTING INACCURATELY AND FRAUDULENTLY. I KNOW AFTER EACH BUREAU VERIFY AN ACCOUNT THEY MUST PROVIDE ME WITH XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. I NEED THIS INFORMATION SENT TO ME IMMEDIATELY AND IF YOU CANT PROVIDE ALL OF THIS THEN I NEED ALL ACCOUTS REMOVED EXPEDITIOUSLY!!!

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