vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Request Motion to Dismiss on the grounds of special exceptions in regards to not being properly served official court papers. 

I am writing to address a matter of great concern regarding an alleged lawsuit filed against me by Barclays Bank Delaware. It has come to my attention that there have been egregious violations of Texas laws and consumer protection statutes in their pursuit of this case. 

I was not properly served official court papers nor have yet to receive any official court papers. This alleged lawsuit was brought to my attention through attorney advertisement received via mail ( attached to this complaint ). 

The actions of Barclays Bank Delaware raise serious legal and ethical concerns. Upon researching the matter further, It appears that they have violated multiple laws and regulations, including but not limited to : 1. Texas Rules of Civil Procedure : Rule 106 : Service of Process. 
Rule 501.3 : Citation by Publication. 
Rule 502.2 : Service on Individuals. 

2. Texas Finance Code, Title 5. Protection of Consumers of Financial Services : 392.304 : Unfair or Deceptive Acts or Practices. 
392.301 : Prohibited Practices. 

3. Texas Debt Collection Act : 392.301 : Prohibited Practices by Debt Collector. 

4. Fair Debt Collection Practices Act ( FDCPA ) : 807 : False or Misleading Representations.

808 : Unfair Practices. 
809 : Validation of Debts Failure to Serve Proper Notice : Texas law requires that individuals be served with a summons and complaint in person or through certified mail. As I have not received any such documents, it suggests a failure on the part of Barclays Bank Delaware to adhere to legal requirements. 

Deceptive Practices : Barclays Bank Delaware process service falsely claiming to have served me in order to proceed with legal action constitutes deceptive and unfair practices under the Texas Debt Collection Act. Continuing collection activities before validating debt. Causing mental anguish through deceptive practices. 

What is hurtful and upsetting about this matter is how an automatic judgment would have been ruled against me due to me not knowing there was ever a lawsuit filed against me. I have no information on who to contact and this is causing severe stress on my current XXXX. 

Please investigate this matter according to legal requirements.

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 2024-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I repaid my loan in full years ago. The money left my account but it has never been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I requested a transfer of {$7000.00} from my PenFed XXXX account to my XXXX  checking account over a week ago, and it has not occurred. See chronology of events : XX/XX/year> using PenFed online access I set up a transfer of funds to another XXXX XXXX account which has been in place with PenFed for quite some time, I have transferred funds using the account several times. I received an email from PenFed confirming my transaction. See attached. 

XX/XX/year>. This is the " effective date '' as represented by PenFed when the transfer of funds would occur. 

XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I called PenFed to obtain an explanation and expected date of transfer. I was told it could take XXXX business days. They had no explanation except to say it was still " pending. '' I also suggested that their own confirmation as well as their online system should indicated clearly that the date I may select for the " effective date '' may not result in the transfer happening on that date. 

XX/XX/year>. I checked my account around XXXX a.m. XXXX today ( Tuesday, XX/XX/XXXX ), and the transaction still has not occurred. 

Requested Actions by PenFed : 1. Immediately effectuate the transfer of funds. 
2. Review their policies and procedures to ensure they comply with applicable laws pertaining to release of funds. 
3. Review online systems to improve the notification of the actual timeframe within which a transfer may occur. At a minimum, on the screen where the customer selects the " effective date '' add a notation ( parenthetical, asterisk, etc. ) explaining the " effective date '' is NOT the date the transfer will occur but it is the date the next business day the customer requested the transfer and that a transfer may take so many days. 

Thank you for your assistance. I am very disappointed that I have to file a complaint in order to get my funds transfered. Thankfully, this was not an emergency or did not cause any overdrafts. I have however been delayed in using the funds as desired as well as expended unnecessary time simply trying to get a clear answer about the delay.

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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Filed FTC report on XX/XX/XXXX Result of Identity Theft Information sold to debt collector ( unauthorized ) Did not get my signature, nor approval to sell my information to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-07-09 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: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-09 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 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: TX

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 2024-07-09 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: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-09 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: MS

Complaint narrative:
I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: Wildhorse Financial Services, LLC
State: CA

Complaint narrative:
I woke up to an unauthorized hard inquiry on my credit from a credit union based in XXXX that was brokered through Gravity Lending. This is a scam of a company. After reaching out to them multiple times they refused to remove the inquiry or provide any proof that I authorized the credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2024-07-09 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: MN

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2024-07-09 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: SC

Complaint narrative:
MY PERSONAL INFORMATION BREACHED THROUGH AN EMPLOYER AND XXXX, I WAS ADVISED THIS WAS REPORTED TO AUTHORITIES. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

NOT ONLY DID I NOTICE FRAUDULENT ACCOUNTS, BUT ADDRESSES AND CREDIT INQUIRIES I HAVE NOT AUTHORIZED DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these accounts were opened without my knowledge and i filed an identity fraud report with the FTC

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I send out a certified verification letter for an account, XXXX XXXX, on my credit report its XX/XX/XXXX, and I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-09 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: MS

Complaint narrative:
I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.

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 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: ME

Complaint narrative:
I have been using Wise for the past years, but they suddenly closed my account without notice. I kept all my savings in my Wise USD account. I appealed the decision, but Wise told me they could not reopen my account and would refund my money. I was told that the return process could take XXXX days. However, XXXX weeks have passed and I have not yet received my refund. I tried to contact support, but it didn't help.

Company response to consumer: Closed with explanation