vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom this may concern I have a Walmart credit card through Capital one financial I have been told on numbers of occasions I was sent a letter regarding the replacement card in which I have not received, every time I call, I have been told a different date, However I ask if the letter can be resent this has been refused no letter that I been told was resent on 4 time via email. I get misleading information and excuses regarding the letter concerning the XXXX XXXX card email me the letter ,2 days ago I was told by manager very rude lady, did not get me any updated information in stand No accountability on the behalf of the company, just excuse after excuses. I still have not received any letter but was told if I call again all three of my account would be close. 
The XXXX from Capital One sent a fake letter with Capital One Letter head in which I do not believe it came from Capital. I believe she sent it herself. If it indeed came from capital, I will be taking other and further action.

My concern is I don't not believe Capital one will be sending anyone a XXXX replacement card which have a different name due to the changes XXXX discontinued their agreement in a lawsuit against Capital one. But the Customers are being held responsible due to Capital One Does not want to do what should be done is send the replacement XXXX salver card. 

So now I believe Capital One trying to create a narrative and upset customer for asking, calling requesting update on the XXXX XXXX replacement card that they honesty really do not want to replace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TX

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 2024-09-27 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: NC

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to transfer money from my Experian Digital Checking account to my XXXX checking account so I could pay my rent. I accidently made it a transfer in to my Experian which is not what I intended to do. I even called to ask if I could stop it because I did it in error and they told me that it was in process and I could not stop it. I had to let it go through. Then a week and a half later it somehow flagged them that I was suspicious and they froze and temporarily suspended my digital checking account. I had XXXX in there that they told me too bad that they were not going to allow me to access. So I waited. It has now been an entire 7 days and still no relief and NOW my pay went into that account in the amount of {$900.00} and I do not have access to get my money. I am going to have to quit my job because I am out of money and I have no gas to get there. Even though I have a card and the money is there direct deposit, they will not even allow me to have access to {$100.00}. So I am stuck and they are refusing to release my money and or anything because they are still investigating. I do not think that is legal. I have rights!

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 2024-09-27 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA 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 2024-09-27 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I had electronically deposited a check from the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. Since Ally Bank is an online bank, I can either e-deposit the check through the app by taking verification images, or signing the check and mailing to the banks physical office, which can take XXXX business days by mail. 
On XX/XX/XXXX, I noticed a XXXX hold was placed on the check due to inconsistencies. I immediately called to inquire about the check where I was met with rude, unprofessional, and condescending customer service employees who then restricted access to my entire account for suspicious account activity following my phone conversations with XXXX XXXX XXXX XXXX 
I repeatedly called daily to understand why my entire account has been restricted, blocking access to my current funds, and blocking access to the app login, where I was unable to purchase food and medication for the following XXXX  days. I was repeatedly told they are waiting for the XXXX XXXX to verify my check. I was also told by XXXX customer service employee that it XXXX take weeks and in some cases up to a year. Another customer service employee was immediately dismissed my complaint and replied, anyway, did you have any other questions. I asked for a supervisor. I waited XXXX minutes and then spoke with XXXX who offered no information regarding the hold on the check or how long it will take to be released. The following day, I called and a representative in the fraud department, took my information down for verification, and after going over my profile, she replied, I dont have the patience to deal with this situation, uh uh too much, this is above my pay grade put me on hold for XXXX mins. and transferred me to a XXXX. At this point it has been over XXXX  days, and the funds still have not been released. Ally Bank appears to have some disgruntled employees who did not understand my frustration with their process and overall customer service, as a result, are purposely prolonging the access to my funds from my check from the XXXXXXXX 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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
From : XX/XX/XXXX - Current date I have a debit card from Venmo that declined mid transaction while paying for my meds at a XXXX XXXX. That alone is already XXXX  ) Embarrassing in itself and XXXX ) inconvenient to everyone around so I apologized and went back to the line while I figured out the decline. Couldnt log in to account to check what was wrong. Called Venmo customer service and they said my account was closed for violating their terms or policies I said okay whatever because I refuse to waste time nowadays with these companies arguing on why or what happened because they know they have monopoly and I already know they wont tell me the reason that caused violation or broke policy. What I did want were my funds to either be released to the bank I had attached on file or my card reactivated and unblocked so I could withdraw my funds that I had on there. Instead of getting this over and done with I have been forced to wait XXXX days for an XXXX XXXXXXXX a which sounds like a joke job position by the way because how many XXXX XXXXXXXX does it take to help you with your account you ask? Apparently XXXX because I have been passed by XXXX different account specialist who have all asked me for my ID to be sent, photos of my with my ID, proof of address, etc. The Email thread is so long it looks like I am in a group company email or group chat with all the names in the header. At one point one of the specialist addressed me under a different name or different user and said my balance was below XXXX cents and could not do anything to help me. That alone was a concern because that is not my name first of all so that is not me and you must have me confused with another Venmo user? So that alone is already is a breach of personal information and a violation of privacy. I am not going to suffer and have my funds be held XXXX for apparently XXXX days because of suspicious activity or violating services when the company themselves seem to be mishandling customer personal information by getting them mixed between customers as well. And they also keep expecting me to provide verification of my self by uploading photo of me holding ID, proof of address ( which i did every single time ) only for them to keep repeating what I already was told in that my account was closed and it was violating policy. Verbatim. Ive very reasonable and would understand if the money being held was either pending or under review from a dispute but i have been cleared from any dispute or pending anythings. It is money I worked all day for and during XXXX degree weather and it isnt much but its enough to pay for medication that is not covered by my insurance and medication that I should have already taken and paid for XXXX weeks ago. But glad Venmo would rather see a customer theyve had since XXXX go into a manic depressive episode from the lack of meds than release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I see items on my credit report that I dont recognize, suggesting my identity may have been stolen, as I didnt approve these accounts. Ive raised this issue before and am now urgently requesting their removal. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles to achieving important financial goals, like buying a house and supporting my family, so I hope we can address this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On Friday XX/XX/year> I've sent a certified letter the the company asking to validate this debt. I've never received a correspondence in regards to this debt. 

I'm unaware of this debt. If you feel this is my debt. I've never was given the proper notification regarding this debt and or the opportunity to dispute this debt. If you fell like this debt belongs to me please send me a certified copy of the proper notification, proper receipt with my name on it and signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account with chase for XXXX  years was closed by chase for a confidential reason, and they told me that I can not open another account with chase for no reason, ever, permanently. 

None credit issue nor anything fraud/crime related was committed prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MI

Complaint narrative:
I just call XXXX XXXX XXXX XXXX XXXX to inquiry of his listed location is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and he claim he never been there and are XXXX XXXX so I am relying on the CFPB to get his location since the office phone is off XXXX XXXX. You were involved with your client XXXX XXXX XXXX fake SSN XXXX and XXXX and documented as fake doctor reported as XXXX. He cash XXXX chase escrow account checks in my name and I reported as XXXX XXXX XXXX XXXX XXXX. In your actions you list ID # XXXX which is now discovered and known as fake loan number you along with XXXX XXXX of XXXX XXXX bank use attached to my paid up mortgage XX/XX/year> for XXXX as XXXX XXXX and a settlement discovered by Enforcement XXXX XXXX XXXX XXXX as XXXX at XXXX XXXX. Now from XXXX XXXX no XXXX as Tradelines- XXXX BANK Resolve XXXX and XXXX XXXX XXXX XXXX. Please explain your role in reference to loan XXXX that you list as an ID number and got paid 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 2024-09-27 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: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I took a XXXX XXXX balance transfer offer with XXXX XXXX XXXX XXXX XXXX XXXX ) and made my minimum payments until the XXXX XXXX rate ended on XXXX XXXX statement period. On XX/XX/year> I paid both the minimum amount plus the extra amount of the tranche that expired in full. This tranche started accruing interest on XX/XX/year> at a rate of XXXX XXXX. My problem is they applied the " extra '' amount another balance transfer I had but has not expired at a XXXX XXXX XXXX. Based on the discussion I had with the agent of the credit card company, there is no way for me to pay the expired balance transfer tranche off before I receive the next monthly cycle bill and thus am forced to be hit with XXXX month of XXXX % interest rate and have no option to avoid it. The agent claimed this is how the government tells them to process these payments, but I have had a different process done with other credit cards. If what this agent claims is accurate, how is this " law '' for the benefit of a consumer who pays his bill off early or timely? It is a penalty and now I am forced to find another {$3800.00} to pay off this rate that I do not have right now and am forced to pay XXXX XXXX higher than I shoud l have to. Is this the intent of the law? Please advise.

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 2024-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

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 2024-09-27 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : 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