vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
For four years, I did not know a child existed, let alone was mine. In XXXX of XXXX, I found out I was a father and I was put on child support. On top of my current child support that was ordered, the courts applied back child support for the years I missed birth to XXXX XXXX My monthly payments are around {$470.00} a month. This was to start in XXXX of XXXX by wage garnishment. So every month about {$230.00} every two weeks is deducted from my wages and applied to the total of this new child support bill. With the garnishment in full effect, I have not been late or missed any payments. However, the company reports missed payment every month since XXXX of XXXX. I have notified them of this three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) in writing and once over the phone. Every time I am told this is accurate with no further explanation. I have contacted the credit bureau and I have documentation of them saying the information was fixed by them but the company keeps re-reporting it. This is ruining my life and plans that I had. My credit score has plummeted and I am barely able to get through life.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was attempting to move money out of my capital one account to my account with XXXX XXXX XXXX ( XXXX ). I was trying to move {$1.00} m in order to secure a better interest rate and benefit from a preferred savings rate. On XX/XX/XXXX when I initiated the transfer the website informed me that I could only move an amount less than $ XXXX. I then initiated a transfer in the amount of $ XXXX. I was informed that this transfer had been accepted. Shortly afterwards I initiated a further transfer in the amount of $ XXXX. Subsequently I received an email from Capital One saying that my transfer did not go through. When I contacted customer care they informed me that my transfer limit in any 30 day period was $ XXXX. There is no information to this effect when I made the initial deposit into Capital One. I subsequently made a new transfer of $ XXXX which did not go through and I received an email from Capital One stating that my account had been frozen due to 'unusual activity '. My husband and I then contacted Customer Care and spoke with XXXX Employee number XXXX, who informed me that she would need to create a three way call with XXXX in order to verify the ownership of my account. We offered to have our account manager call XXXX but she stated it was company policy that she make the call and XXXX join. We gave XXXX the number, made the call but it seems to be also the policy in XXXX that any call must be initiated from their side. When this option failed, we asked XXXX how we could verify our account and unfreeze the funds. We offered to scan and email a copy of our XXXX bank statement but she said they could not accept this, they only dealt on the phone. We then offered to bring a physical copy into a bank branch. She said this would work. Unfortunately, I have discovered that Capital One have no branches on the XXXX XXXX and I would need to take a plane to the XXXX XXXX in order to satisfy this request. I am extremely worried as there appears to be no way for me to verify my account, my funds are frozen in a bank with minimum FDIC cover and I am losing substantial amounts of potential interest on a daily basis. I am also worried as the later transfer request for XXXX was accepted even though the earlier request for a transfer of XXXX was 'flagged ' as unusual. It seems to me that Capital One 's response has less to do with the protection of my account and more to do with maintaining their balances. 
In summary - Capital One have provided no solution to my problem and my accounts are frozen because they have neither the interest or the method to allow me to unfreeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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:
Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear XXXX, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information. 
Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX. XXXX Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
XXXX XXXX New Charge Off Date XX/XX/XXXX {$950.00} XXXX. Delinquent Account XXXX XXXX, XXXX A delinquency has appeared on your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. Account Closed XX/XX/XXXX An account has been identified as Closed by the creditor or consumer. 
XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX {$5800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX {$1200.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, XXXX, FL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear XXXX, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information. 
Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
XXXX XXXX XXXX XXXX Off Date XX/XX/XXXX {$950.00} XXXX. Delinquent Account XXXX XXXX, XXXX A delinquency has appeared on your credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. Account Closed XX/XX/XXXX An account has been identified as Closed by the creditor or consumer. 
XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX  {$5800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX {$1200.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, XXXX, FL, 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I mailed in the address request XX/XX/XXXX  and it is not reflected in the system with any of the credit bureaus.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I mailed in the address request XX/XX/2023 and it is not reflected in the system with any of the credit bureaus.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXXXXXX incorrect balance - always pay to a XXXX balance. XXXX, XXXX and transunion are inaccurately report the accounts.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXX incorrect balance - always pay to a XXXX balance. XXXX, equifax and XXXX are inaccurately report the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
I purchased XXXX gift cards on XX/XX/2023 worth {$500.00} each ( total {$2000.00} ). I went to go use the cards the same day and the magnetic strip would not work. After we gave the card to cashier to type the card number, they noticed that one number was scratched off the card. I then checked the rest, and they were all tampered with. I immediately contacted Incomm the same day and they gave me the information to submit a claim. I then submitted a claim online and I got an email reply stating that lost or stolen cards would be replaced within 30 days. I have called several times to get an update on the status of my claim but kept getting the run around and that it would be up to XXXX business days. I called today on XXXX which is more than 30 business days, and they still didn't have any information. I asked to speak with a supervisor, but I was just put on a long hold with no response. My claim number with Incomm is XXXX. I would like a refund of my purchase or my cards to be replaced immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited XXXX $ in atm machine but after that atm machine took all my money and said error and then never give me back my 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 monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX Card XX/XX/2023 XXXX Bank XX/XX/2023 XXXX Bank XX/XX/2023 XXXX of XXXX XX/XX/2023

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use the online bill pay service from the bank. However, for three different credit card bills, they sent the payment a day late, resulting in late fees and interest charges in all three credit card accounts. When I tried to resolve this with the bank, they took my information and said they would investigate it. It has been over 120 days since filing for an investigation, and the bank has no record of the investigation upon calling them. I have spoken with customer service over the phone multiple times as well as with people from the branch at XXXX and XXXX XXXX XXXX all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, a false tax return for the year XXXX was filed in my name and social security number but the first name belonged to my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a requirement to obtain stimulus..she is on SSXXXXI so she was not eligible She also, I believe, opened a chime account in my name with her address XXXX XXXX XXXX XXXX XXXX Virginia to deposit my stimulus payments into this account the checks were sent out on XX/XX/XXXX ( {$1200.00} ) XX/XX/XXXX ( {$600.00} ) and XXXX of XXXX ( {$1400.00} ). I need to file a complaint because I am having trouble getting the records for this account. I have also filed a complaint and a case with the Federal trade commission and the IRS criminal investigation unit. I also plan to file a complaint with the XXXX XXXX XXXX and try to take legal action against chime and the IRS my sister 's real name is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Virginia XXXX all IRS correspondence from XX/XX/XXXX till XX/XX/XXXX had her first name on it but my social security number which is the reason for the identity theft situation. I can not get the checks from the IRS since it is a criminal investigation but I want to file this complaint because Banks need to be held accountable and need to do more research when they are cashing amounts of money in that size the total amounts of money is {$4.00}, XXXX approximately that I am aware of

Company response to consumer: Closed with explanation