vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. Here is the wrong info : Account Name : XXXX  XXXX, IN This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. 

I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. 

I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.

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 2024-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX is a victim of identity theft I tried to reason with EQUIFAX unfortunately they are worthless and refuse to remove fraudulent accounts on my personal credit report National credit systems XXXX XXXX XXXX XXXX  etc those accounts are not mine I have repeatedly sent in proof of identity theft at this point I have now filed a civil suit against EQUIFAX for failing to protect my consumer rights under section 605b and failing to remove stated fraudulent accounts that I identified above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received emails and texts on XX/XX/XXXX indicating a chime account was opened in my name. I felt this was fraudulent so I called them. They refused to provide information about my fraudulently opened account without me giving them my social and dob- which is what a fraudster would want. I refused they hung up on me without giving me information about this unauthorized account. 

My guess is that they are doing this as a strategy and many are falling victim to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: CA

Complaint narrative:
The CFPB can't close a complaint that is violating FCRA or else you are just as guilty. My complaint XXXX stated that TransUnion deleted accounts and then somehow showed up again. They responded with just " verified '' and the CFPB closed the case. Where TransUnion is STILL in violation of FCRA is 611 ( B ) ( ii ) which states ", the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion ''. I have never received such a notification. As of the dispute dated XX/XX/ the following accounts were to be deleted : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX They have violated FCRA by not notifying me and an agency that WILLFULLY violates FCRA 623 ( A ) or any FCRA statute is liable under FCRA 616 & 617.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " COLLEGE FOUNDATION INC. '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the COLLEGE FOUNDATION INC. account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have 2 gift cards, one XXXX for {$50.00} and one XXXX for {$100.00}. They claim to be usable anywhere an XXXX or XXXX card are accepted. However, when I tried to use them at multiple online stores, the transactions would not go through. In the case of the XXXX card, I was billed {$0.00} each time my transaction was declined. Customer support for these cards is completely automated and do not allow me to explain the issue, rendering the support number essentially useless.

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 2024-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
in XXXX 2019 2023 me and my husband went to XXXX XXXX Chrysler XXXX in XXXX XXXX to look for a car we was looking for something in our price we did not get to look for any vehicles. They chose one for us when sound of the contract we did look at the sales price and everything and the monthly payments the button. The payment was at XXXX a month. I not {$1100.00} a month. They had me on the contract with my husband but took me off and left my income on the contract with his. we we also contacted freedom XXXX to let them know that these payments were too high. They did not resolve any issues. They told us to keep the truck it wasnt a trading option. We also went to three car dealership. Places one was XXXX in XXXX XXXX the other place was XXXX comes in XXXX XXXX, the other place was XXXX XXXX in XXXX and all three told us that we can not trade a vehicle because were upside down already and that we had got tacked on {$22000.00} more on what the truck is worth it We also try to refinance the truck through my husbands bank. They told her the ratio was too high because of the loan.. also the bank that XXXX XXXX go through they did not solve anything either. They told us they was going to buy the contract and what freedom dies put on there. The bank manager was also rude and nasty towards me and my husband. so there is no option of trading the vehicle in at all theres no refinancing the vehicle at all weve tried both. The XXXX XXXX XXXX value is XXXX its for a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Comenity bank XXXX XXXXXXXX An account was opened in XX/XX/XXXX and it was not authorized by me and it is currently closed.I have been trying to get the situation resolved since then and last payment was XX/XX/XXXX and the amount past due is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX GEORGIA XXXX Subject : Violation of U.S. Code 1681a ( 2 ) ( a ) ( i ) -and U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Account Name : ( CAPITAL ONE ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXXXXXX  Description of Inaccuracy : Inaccurrate Reporting CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( CAPITAL ONE ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( XXXX ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows of has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. 

This reporting is unsatisfactory, CAPITAL ONE IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL ONE TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of CAPITAL ONE nor are they " bureaus ''. 
I have a right to Privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization in the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. this your 7 day notice to return ALL money due from this consumer. account THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I filed a dispute with the credit reporting agency XXXX on XX/XX/XXXX. Because your company is reporting a charge-off account on my credit report. With misleading and inaccurate information. Your company is violating my consumer rights under the Fair Credit Reporting Act section 623-Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C. 1681s-2 ). This account is reporting a past due amount of {$640.00} when in fact there should not be a past due balance reporting on a writen off credit card account. The account closed date does not match the payment rating on my XXXX credit report. And the payment history rating is missing for the month of XX/XX/XXXX when the account was first opened. These inaccurate items needs to be corrected, modified or deleted. ( Please See Attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: GA

Complaint narrative:
I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. 

Here is the wrong info : Account Name : XXXX XXXX XXXX  This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Im submitting this complaint to see if I can be included in the us auto sales lawsuit. I brought a charger back in 2019 and was informed XXXX information. I was informed I had XXXX insurance and that damaged was going to be fix on my car and never did. I also believe I was charge multiple times for XXXX me payments and insurance charges. I also had my car turned off by them at times when it was not suppose to be causing me to miss work. I eventually got my car repo for car shop and then when I reached out to corporate after getting hung up on customer service so many times he gave me back my car. Tried to help me get it fix then repo its again. Didnt refund my money did not sale the car and it seems like I owe more on the care then what was the actual amount. I never got a letter about the car being sold or anything I dont know where the car is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

PLEASE CHECK ATTACHMENTS BELOW

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided.

They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }

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 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Company : Coinbase ; Issue : Randomly put my account under review. I've been a customer since 2018. Despite providing copy of Driver License, and confirming SSN and employment details, Coinbase has not given back access to MY money which is in excess of $ XXXX. Further, there is no clarity on WHY the account is in review and WHEN will I get back access to MY money. I have contacted the company on multiple occasions, to no avail. 

I need help to access my assets so that I can transfer to another entity and close this account. 

What a nightmare!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I was served court documents from cavalry spv I , llc on XXXX XXXX, 2024 they are stating I owe them money {$3000.00} and want to pursue legal action. I have never heard of this company nor do i owe them any money nor do I have any contract with them. 

I have attached forms as evidence this company and I have never done any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: GA

Complaint narrative:
I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. Here is the wrong info : Account Name : XXXX XXXX, IN This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. 

I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. 

I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.

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