vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have been with Capital One for over 4 years and I have been making payments and kept in good standards with capital one. 

Recently, I tried to make a payments from my second bank to my credit card accounts on capital one and it just kept getting returned even though the funds was well enough in the account. Today the funds pull out my account and I open my capital one app and I see theaccount is restricted I then called and they told me both accounts were closed my Capital One Quick Silver & platinum. I made sure the funds was in the account for capitol one to go ahead and take and they kept returning the payments. 


Even better yet, I couldve just changed my payment bank if they wouldve called me and told me that they cant take payment from one of my banks. 

Its just so confusing and stressful because I been with them for so many years and I have been good with them and they decided to just terminate my account like that blows my mind. 


It wasnt even my fault, the funds was in the account they just couldnt pull it. I have made sure I paid the account in full the day I got told the account was closed out of good faith. 

I am unsure if I will ever be able to open a CapitalOne Account after this creditor closed my accounts, I have plenty of credit accounts that are in good standing and paid such as my XXXX, XXXX, XXXX & more creditors. Capital one I please ask you guys to overview and contact me and update me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
This Complaint is about More ... than just a Debit Card Issue. However, your system only allows me to select one option. One location and 2 employees of Community Choice/ Checksmart is causing all the problems with my XXXX XXXX Account. This is XXXX and his Manager. XXXX XXXX manager only for being Unresponsive and working towards No... Resolution. I have contacted the Corporate office of Community Choice/Checksmart Multiple ... times. I am only told that they can Not ... make the Local Office treat me Fairly, Equally, Respond and/or Resolve My Complaint Matters. Outrageous. 
I was advised by the corporate office to Always call before I go into any of my Local location to conduct business as I have a Special account where a Supervisor has to be their to assist with my account. I Always follow this rule because I like the Special Perks that I am Suppose... to be getting and I have Business Matters tied to this account. And... I do not want to start over with a regular account. 
1 ) XXXX, the supervisor, does Not give me his hours so that I can come in when he is there. He states that " He does not have to ''. His office is Usually the most convenient location. 
XXXX ) XXXX then charges me to make copies of my Account Balance. XXXX Admitted that he does Not... charge Other... consumers for this Exact same services. 
XXXX ) XXXX does not know why My account showed Closed After... I just added a Large... sum of money to my account. So XXXX does Not know the Competency Required to do his job as a Supervisor. 
Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-05-15 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: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I deposited 3 checks through BMO 's mobile banking app. One was from an accident settlement from my attorney for {$6300.00}. It was verified by my attorney and cleared by his bank. The other 2 were older checks I found while cleaning my house. They were for {$15.00} and {$59.00} and wasn't sure if they had been deposited already so I figured the worst that could happen is they bounced. I received e-mails that these checks had been received, reviewed, and approved. The next day I was locked out of my account. I called and was told my account was frozen and that it would take 7-10 business days to review. The next person told me 10-15 days, the latest person tells me 30 business days, so XX/XX/XXXX would be the latest date I can access my account. My account was perfectly fine before these check deposits and now I can't even access my previous funds for nearly 2 months because it takes them this long to review a couple checks?? I tried to get my attorney 's bank to reverse the check or write me a new one but it has already cleared on their end. So BMO has that check cleared and are simply holding because that is their " policy ''. I was actually a Bank of the West member and away for 6 months. When I returned they had changed my checking account type without consenting me. They are holding all my money hostage over a couple of checks. I just want to close my BMO account ASAP and they won't even allow that until the investigation is completed.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The following companies made unauthorized hard inquiries on my credit. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: NV

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 explanation
Consumer complaint received 2024-05-15 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: NV

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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company is reporting that they hold an account I am delinquent on that is in collections. The originator was a medical professional. I am a XXXX veteran and I only use the VA Hospital and would not have a medical bill. I disputed this through a credit bureau and Wakefield & Associates changed the originator. I disputed the collection again through the credit bureau and Wakefield & Assc. verified that my dispute was accurate but then updated the report to show that the collection was delinquent again. At this point, I feel this company is harassing me through inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC
State: UT

Complaint narrative:
I have an account with Avid Acceptance. However, there are a few late payments on my account I hope Avid is willing to work with me on. During XXXX coming into XXXX I was in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  my wife was taking care of my accounts but she was also juggling a lot things. She did her best but there were times where her income alone could not pay all the bills or she forget through no fault of her own. I am at a point where I would like to get things back on track and understand my contractual obligations and ask that Avid please take my situation into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX ACCOUNT IS IDENTITY THEFT AND REPORTING FRAUD ON MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: NJ

Complaint narrative:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not b
e verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or del

eted from the file of the consumer. and according to 15 USC 1681s-2 they are
suppose to 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have tried endlessly to speak with a human on multiple occasions to contest the Experian inquiries that have adversely impacted my FICO score on multiple occasions, the most recent being XX/XX/XXXX decrease of XXXX points and I am going to report Experian to my politician, local news, XXXX, the White House, CFPB, and whoever else I have to until they repair my credit score for these two instances. I was the victim of identity theft which is why I have a fraud alert on my credit report and on top of that original injustice I am now repeatedly adversely affected when I try to take out credit cards from aggressive yet uninformed salespeople ( XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX ). I want to take out a mortgage for the first time in my life next year and Experian will cost me tens of thousands of dollars in my interest rate after hard fought work to improve my credit score. As a slap in the face, there is nobody to talk to or even email concerns - rather a labyrinth designed to obfuscate. Experian must be held accountable and justice will be served against them and to increase my credit score and hold them accountable in their policies and customer experience.

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 2024-05-15 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: NC

Complaint narrative:
Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: VA

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TN

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 2024-05-15 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: TN

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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Stenger & Stenger , P.C. on behalf of XXXX XXXX XXXX and as of XX/XX/XXXX XXXX XXXX XXXX XXXX, claims that I owe them a debt when I have never hired or have given expressed written consent to contract with me in any capacity. They've gone as far as filing for a judgement against me when they haven't provided proof of service or any shred of evidence that I owe them any amount. They refuse to produce any contract with my signature granting their company or employees permission to buy my personal information, contact me or to sell my personal information to a 3rd party. They have been harassing me about this unsubstantiated claim since XX/XX/XXXX. They also refuse to produce an explanation as to their process of validating their claim against me. They have been awarded judgement through violating my right to Due Process as I was not informed that there was a court date set. They've filed a Wage Garnishment with the State of Michigan as well. They have recently filed a motion to substitute that company awarded the judgement thus selling my personal information without written consent. This constitutes Identity Theft as well as Human Trafficking if any securities were created from these fraudulent claims and subsequent Adverse Action that has affected my ability to obtain credit. I've sent several requests for a contract containing my written consent with both parties agreeing to the alleged " debt '' and multiple Cease & Desist letters to no avail. Interest has caused this alleged debt to double since XX/XX/XXXX. They are in violation of 15 USC 1692 ( c ), 15 USC 1681n and 15 USC 1681b.

Company response to consumer: Closed with explanation