vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
My funds ( {$1700.00} ) in my Checking account have been held XXXX by Charles Schwab & Co, Charles Schwab Bank ( SSB )!!!! 
According to a letter I received via mail to my address at XXXX XXXX XXXX from Charles Schwab on XX/XX/year>, The restrictions on my checking account have been removed after the XXXX XXXX XXXX completed their review. In reality, I still could not log in to my account and the screen still said restricted fast forward a month now at XX/XX/year>!!! The agent placed as the contact person to my case XXXX XXXX has been insufferable and very unprofessional with handling my case of my account review, my funds transfer to my external XXXX XXXX account and the XXXX of my account. The agent XXXX XXXX has not been responsive and has changed his contact number without informing me which made it so I was left unanswered for over XXXX weeks on the status of my account. After finally getting a hold of XXXX XXXX on Friday, XX/XX/year>, and after answering all his security questions satisfactorily, he said that the funds in my account would be transferred to my external XXXX XXXX Account within the day or by the next business day and my account closure should happen XXXX business days! This DID NOT HAPPEN! He did not fulfill his fiduciary duties, promises or obligations and has had his phone unavailable for calls or even voicemail for the past XXXX weeks ( Try his number here XXXX XXXX and see that it is unavailable )! I have been left in the dark! I have been forgotten by XXXXharles Schwab & Co and by XXXX XXXX! The service has been horrible and caused me financial and psychological harm! 
This has stranded me especially financially and I am currently owing my landlord for back-rent due to the freezing of my funds by Charles Schwab !

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
There are some Unauthorized Inquiries on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized inquiries is deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. 
The following inquiries are unauthorized : -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 2024-12-26 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: GA

Complaint narrative:
There are some Unauthorized Inquiries on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized inquiries is deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. 
The following inquiries are unauthorized : -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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance has sent me a letter with an account number with an attachment on how they share my information. I have not applied for anything from Capital one and should not have an acct number of any kind presently. 

Capital One Auto Finance XXXX XXXX XXXX XXXX Texas XXXX XXXX I have not applied for anything from this company Addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX did not want to disclose my personal information to the company to clear problem. 
I can not upload information. Letter is dated XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
So took irs check in to bank of America on XXXX told come back next day get XXXXXXXX XXXX then said could release any money till XX/XX/XXXX then again XX/XX/XXXX will XX/XX/XXXX came could get on online account had locked it but already had my money since XXXX from irs told they check be sent back was lie already had money in my account then told fraud was lie then said couldn't id me. Then said send cashiers check for the money account be closed then call back XXXX said froze my account was send cashiers check because send back irs then call again told it was be investigation still my money as of XX/XX/XXXX whole month just lie after lie told need my money have bills kids have XXXX rents do getting kicked out all want my money have mine

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 2024-12-26 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have no knowledge of this account from XXXX XXXX XXXX a account number XXXX I demand that this account be removed from my credit report pursuant to my protected rights under the FCRA. I have no knowledge of this account neither was a contracting bearing my signature or the original contract provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX. Hard inquiries on report that I did not do. All inquiries need to be removed. 100 plus inquiries. I also had a fraud alert. Did not receive one phone call from creditors.

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 2024-12-26 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: OH

Complaint narrative:
Transunion has continued to report information regarding the following accounts despite multiple request to investigate and remove these accounts. I have no knowledge of these accounts and they are negatively affecting my credit score. The company did not provide me with proof of debt validation or the contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-26 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Please see Complaint ID : XXXX to view our earlier compaint, which CFPB closed based upon Mr. Cooper 's XXXX letter which did not address this matter. 

Essentially, we received a Tax Deferral from the XXXX XXXX XXXX Department- which Mr. Cooper stated that they do not recognize or accept. As a result, our monthly escrow balance balooned as well as our monthly mortgage payments. 

By virue of this new complaint, we request re-openning this matter with Mr. Cooper to obtain reasons why they do NOT accept tax deferrals and why they refuse to move erroneously paid property tax payments outside of escrow. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made 6 payments to my Chase credit card as shown below. They were not late payments. I made these payments as the credit limit was only {$15000.00} and I use this card for my business, including the insurance payment, various services ( internet, cable, 3rd applications, etc ) and 2 times a week grocery shopping for my restaurant ( $ XXXX purchase each time ). 

XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$4500.00} XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$5800.00} Each time, after the payment was cleared from my paying bank account XXXX XXXX XXXX XXXXXXXX ), Chase held my payment for 7 days and refused to apply the payment to my credit card. 
I confirmed with both banksXXXX XXXX XXXX XXXXXXXX and Chase, that the payments were successfully transferred to Chase on the day each payment was cleared from XXXX XXXX XXXXXXXX, and Chase confirmed the receipt of payments on the same day. 
I was told multiple times by the customer service rep. from Chase that the reasons that Chase refused to apply the payments even after the possession of funds were 1 ) I did not have a bank account with Chase and 2 ) Chase would keep holding my payments for 120 days from the account opening per the policy. However, the reason # 2 could have been lifted if I had a bank account with Chase. 
Thus, literally, Chase is limiting the transaction ability of credit card customers or putting a restriction to their customers when they do not have a bank account with Chase, and Chase forces those customers to open a bank account with Chase by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-12-26 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX SSN : XXXX | DOB : XX/XX/year>XXXX  XXXX XXXX XXXX XXXX XXXX , TX XXXX Please be advised this is my THIRD 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. 
Despite two 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? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). 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 & amp ; 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. 
I demand the following accounts be verified or deleted immediately. 
Account Name : 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