vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-18 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:
Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX CALIFORNIA Docket Number # XXXX XXXX ) XXXX XXXX XXXX CALIFORNIA Docket Number # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B. I have not supplied proof under the doctrine of estoppel by silence, Engelhadrt V. Graves ( MO ) 281 SW 715.719 I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814

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 2024-05-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
put complaint through this agency and you closed the case attempted contact again with Barclays bank they said they only correspond through postal mail and dropped my case and your agency just closed without resolution

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 2024-05-18 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:
Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX ACCT # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXXDespite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.

I have not supplied proof under the doctrine of estoppel by silence, Engelhadrt V. Graves ( MO ) 281 SW 715.719 I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
In XX/XX/2019 I financed a vehicle with this company and they car was total loss so I work a settlement with them after I pay them they paid off course they still marked my account as late payments and derogatory

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/year>, I received a letter from Bank of America ( BoA ) regarding a claim associated with my account ending in XXXX. This letter indicated that BoA was working on my claim and requested that I provide additional information to support my dispute within the next 10 days. The communication advised that while the claim was being researched, I was not required to pay any part of the disputed amount and should continue making payments on the remaining balance to avoid interest charges or late fees. 

However, the letter lacked critical details necessary to properly address my dispute, including : The specific claim number, which is essential for submitting further documentation. 
The transaction date related to the disputed amount. 
The merchant 's name involved in the transaction. 
The amount in question for the disputed transaction. 
These omissions have significantly hindered my ability to respond appropriately to the request for additional information.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is an add on to Complaint against BOA XXXX XXXX provided them a tolltag statement, which BOA finally provided to us. Mind you XXXX has never provided us 1 piece of proof. 

BOA told me in short they were permanently dismissing the charges out of " courtesy '' and my problem is THIS IS FRAUD and if their fraud department isn't any smarter than this they need to be fired. 

In all the data we have sent you, 1 ) the agreement number is not the same as our rental agreement ( XXXX ), 2 ) the dates of the charges are XXXX XXXX and the reason we disputed documented our rental was XX/XX/XXXX. You don't need to have special training to figure this out so my problem is " out of courtesy '' is XXXX they never reviewed the materials. How many people give up because BOA doesn't do their due diligence? 

NEXT, HOW IN THE XXXX IS OUR CREDIT CARD BEING CHARGED FOR TOLLS ON A CAR IN TEXAS ON DATES THAT ARE NOT ASSOCIATED WITH OUR AGREEMENT. WE HAVE TOLD BOA THEY BETTER BLOCK ANY AND ALL FUTURE CHARGES FROM XXXX OR XXXX. THIS REQUEST NEEDS TO BE REINFORCED. I HAVE SEEN OTHER PEOPLE COMPLAINT THAT XXXX JUST KEEPS HITTING PEOPLES CARDS. YES, WILL BE UPDATING FTC COMPLAINT AS WELL AS ATTORNEY GENERAL.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I got a random email from Chime saying they were closing my checking savings and secured credit card. They said the account would be closed XX/XX/XXXX. They ended up closing it XX/XX/XXXX and cant give me a clear response as to why they had said I filed for bankruptcy which I have not and they said I wasnt complying with the agreement terms which I was, they will not give me a clear explanation and keep on giving me the runaround, I have a two-year-old daughter I need to take care of and feed and now they have closed my account and I can not access my funds. I called them all the time numerous times a day and nobody can give me a straight answer. I asked them to overnight me a check and they keep on running around the bush with different answers. Again I have a baby and Im not happy one bit about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018, I purchased a personal cashier 's check from my business account with XXXX  XXXX XXXX and deposited it into my personal account with Capital One. However, Capital One has put a hold on my funds since then. I reached out to Capital One about this issue and they informed me through a letter ( attached below ) that they needed more information from XXXX  XXXX XXXX to confirm these funds so they can release them. I have been in contact with a XXXX XXXX XXXX resolution XXXX XXXX XXXX XXXX to help me retrieve this information to get my funds released. They provided me with a letter describing the situation and explaining that the funds did come from my account through a cashier 's check I purchased, they also provided bank statements, withdrawal slip and a copy of the negotiated cashier 's check with Capital One. All these documents are attached below. XXXX XXXX from XXXX  XXXX XXXX also provided us with a fax number and an email for Capital One to reach her incase they need to confirm any of this information or request any additional information so that they can release these funds. All this information can be found in the letter they provided. 

Please help me retrieve my funds because I have been going back and forth between these XXXX banks for years now. I don't know what else to do and it is very frustrating. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-05-18 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
**Complaint to CFPB : Unauthorized Account and Fraudulent Activity** -- - I am writing to file a complaint regarding fraudulent activity involving XXXX and XXXX XXXX  XXXX These entities have fraudulently used my identity to open a makeup account without my authorization. I am a man and do not wear makeup, and I never authorized the opening of this account. 

I request that the inquiry related to this unauthorized account be removed immediately. 

This is not the first instance of such fraudulent activity ; this is the second time in a year that someone has attempted to open an unauthorized account in my name. 

I have forwarded this matter to my legal counsel for further advice and action. 

Please address this issue promptly to prevent further damage to my credit and identity. 

Thank you. 

-- - Please make sure to include all necessary personal information and documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I received phone calls and text messages from a debt collector, XXXX XXXX, about a debt with XXXX. I explained to XXXX that I didn't have a debt with them. They stated that I did dating back XX/XX/2024. I sent proof debt was paid but they said it was not. They made me repay for a debt that I had already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Our Loans were sold 8 times, no one can provide information on fees, continued fees, servicing and all of the back story of how a loan and HELOC of XXXX Loan and XXXX HELOC ended up at XXXX ...... with fees and transfers and lost records from 2003 ......

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
About two weeks ago my loans were forgiven, which I am eternally grateful. I have been in repayment for over XXXX decades, however, the date of forgiveness indicates that it was XX/XX/year>. This is clearly an error, but when I called Mohela yesterday, the rep didn't seem to understand the issue and kept pointing to the wrong date. She then talked to a supervisor, and together they refused to acknowledge the dates prior to consolidation, even after I pointed it out to them that the law clearly indicates that forgiveness encompasses all months in repayment, including months prior to consolidation. They claimed Student Aid is responsible for setting the date of forgiveness and directed me to them. I immediately called SA, but their phone system goes through a loop and drops the call. Changing the forgiveness date helps avoid issuing a refund for years worth of overpayments. This needs to be corrected. On XXXX of my closed XXXX loans ( prior to being transferred to Mohela ), it indicated the term was for 405 months or XXXX years. This is the only count I've seen on any of my student loans with any company or organization, even after asking both Mohela and DE. I know other people could see how many months they were in repayment, but I never could, except on my closed XXXX accounts, which I am basing my count on. 

https : //studentaid.gov/XXXX  See this section : ***any time in repayment ( or deferment or forbearance, if applicable ) on earlier loans before consolidation of those loans into a consolidation loan. ***

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I do not have any original information because, as I said, I have not opened any accounts since 2017. I need more details along with proofs.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief