vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-11-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-07 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: MI

Complaint narrative:
I have XXXX inquiries on my transunion credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with Truist bank a week ago. I needed money in my account immediately to pay my bills. So, because my mom was connected to my old bank account with XXXX XXXX XXXXXXXX, she was able to transfer all of my money to her account then XXXX it to my new account with Truist, it was roughly {$18000.00} that was being transferred to my account.Truist saw it as fraud instead of asking me about the transfers even though I had all the proof that it was correct and it was my money being transferred into my new account. Instead they just closed it without any notice at all and any explanation really I just came to the conclusion it was the XXXX transfers because thats the only thing thats happens with this account because it was new and I was still waiting for my card in the mail.

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 2023-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX, I opened a high yielding savings account with ING Direct. In XXXX, Capital One purchased my account through a merger and renamed my account a " Capital One 360 Savings Account. '' At the time, Capitol One XXXX XXXX XXXX sent me a letter that pledged : " our commitment to you is staying the same. '' He specifically promised that after the merger Capital One would still be offering " great features and rates that we know are important to you. '' Over time and following market conditions, Capital One gradually lowered the interest rate on my 360 savings account until it reach a low of .3 % in XX/XX/XXXX. But as market conditions changed over the past 3 years and interest rates rose, Capital One never raised the APR on my account. Instead, around the same time they froze my variable interest rate at its lowest point, they created a new savings product with a higher APR and deceptively similar name : " Capital One 360 Performance Saving. '' They did not notify existing customers about this new savings product and made sure there was no mention of it in the App, which all existing customers are encouraged to use. 

Locking in existing 360 customers at a .3 % APR when market conditions have changed drastically and interest rates have risen precipitously while creating a new product with a deceptively similar name that pays a much higher APR is a far cry from keeping its promise to former ING Direct customers. 

I have filed 2 previous CFPB complaints about this issue and am completely dissatisfied with Capital One 's response through their representative, XXXX. They have been stealing from customers by not paying them the interest they are owed and in the process will destroy Capital One 's good will and reputation for customer service. I just found out today that a lawsuit was filed against Capital One regarding this issue. I'm looking forward to seeing what a jury thinks of their fraudulent and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Nelnet, Inc.
State: MN

Complaint narrative:
I am a XXXX veteran ; XXXX % with the VA and XXXX XXXX XXXX XXXX XXXX. I had student loans XXXX in XXXX of XXXX due to total and XXXX XXXXXXXX and was XXXX XXXX at that time. 

Most of the student loan companies stopped reporting at the time of discharge in XXXX. Those accounts appear as Paid with a {$0.00} balance. Two of those loans continue to update/ report negatively as 120 days late by the Department of Education/Nelnet XXXX 

This damages my credit due to it being the only negative payment information on my reports at this time, and it costs me a very good credit rating, resulting in less desirable rates for financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
XXXX XXXX SERVICES / XX/XX/2023 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 2023-11-07 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: FL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I opened a venmo account and after 3 years of not being able to use it I was able to finally get it unfrozen. They always put me to the back of the bus when it comes to my service. I then proceeded to get a debit card so I can open a bank account since my mom used my ssn and ruined my credit with other banks. Prepaid banks are my only options left. I got my card and began adding money and purchasing running into issues with merchants with orders being late, wrong, or just flat out not delivered. Merchants like XXXX XXXX XXXX and XXXX have policies where they cant refund you more than 2 times so obviously if I order take out every week something is bound to go wrong. I used the dispute feature and now my account is deactivated with refunds still pending ; disputes still pending ; and my money is in there that I can't transfer even though their agent said I can. They're making me pay them for no reason. I had {$49.00} and I spent {$33.00} but was waiting on that {$33.00} refund but they overdrew my account saying I had to pay XXXX when it literally made no sense like I want to sue for deterioration of my mental health and starvation. They banned me on saturday when I was shopping in public and I havent eaten since

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed. 

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a few accounts with this institution, some that I use more than others. My account ending in XXXX I hadnt used in a few weeks and kept receiving notices of returned payments. I called Navy Fed to inquire. I was advised the charge was for XXXX XXXX. I do not have a membership with XXXX XXXX and I have never been to a XXXX XXXX ever. I advised it was unauthorized. The agent assisted with closing the accounts and opening a new one. The charges were disputed. On this call I also asked why is it that we members dont receive full disclosure of the transaction that is returned. Members only receive a notice of the alleged attempt with the date and amount of the alleged attempt. Members dont know who tried or who to call and sort it out. Due to this we have received numerous fees because we are on a wild goose chase trying to find the merchant to stop the charge. I received a notice letting me know the merchant provided proof of authorization. However, this was not provided to me. I was sent a one page document claiming proof was provided ( attached ). When I asked for it, i was advised verbally proof had been submitted and I should reach out to XXXX XXXX. I have never done business with this company. I advised by NFCU and XXXX the charges were not authorized and I am still being charged for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Hello, On XXXX XXXX I screens shotted from XXXXXXXX XXXX XXXX  a picture of a comedy show. He declined making fun and saying that he was not worth that much. The tickets were {$190.00} Keep in mind I " screnn shotted '' the event not clicking on the link AT ALL. 
The next day I received an email stating that the {$190.00} was used for these tickets, the transaction being done by my friend. He does NOT even have Venmo. I called him and told him what happened and so it begins. 
I contacted Venmo via phone and told them I DID NOt authorize this transaction and I would trust this friend with my life! They then put the money back temporarily two days later while they investigated. 
On XX/XX/XXXX, they got back to me DENYING my dispute. Thet stated that if I had any more information to back up my complaint to do so and the would be happy to take another look. 
I sent them EVERYTHING I had including pictures of the conversation starting with the screenshot of this event. 
They replied back on XX/XX/XXXX and denied it again for the second time. Again saying they would take another look and not to reply back to that email. 
Because I never authorized this transaction initially, I withdrew all of my money knowing they were going to take back what they gave. 
I tried opening a new account with new information because I do like Venmo for many reasons. But they somehow new it was me and eventually I made payments for the balance just so I could have this platform. 
Obviously I know I was hacked and think I have proof? The amount is different but on the same day it says that {$220.00} was a transaction against my account from someone in XXXX.I have never even been to XXXX! 
I did not want to stop there. I contacted the attorney generals office here in XXXX and they told me it was an FBI issue? I believe its the ICC which is internet crime complaint. Needless to say I never heard back so here I am still wondering where that money went with a negative resolution for me. 
In closing, I have all the documentation, names, numbers, transaction id 's and screenshots of this whole ordeal. I try to advocate for myslef the best way I can.I stopped because when I asked around, noone could help me until I contacted XXXX. 
I am hoping that you can help me resolve this issue. As a XXXX mom and a contributer to society, there has to be some justice when the situation calls for it. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: 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 2023-11-07 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: NM

Complaint narrative:
They sent my dad a text message this morning with my alleged collection information. My dad has a brand new phone number he got last month. I told them to not call me again and now they're harassing my family too. They can't confirm what debt I have either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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

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