vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act, has violated my rights. 
1

5 USC 1681 Section 602 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 a account without my written instructions. 15 USC 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX i deposited a 3rd party check was funded but account was going to be closed. I already contacted Citibank regarding this situation me and the 3rd party already went to citibank to verify his identity to reals the funds I do have a email with you guys stating that he needs to be present with me to be able to release the funds. Now I am being told that the marker has to submit a claim to reals the funds to me I tried multiple times to get the marker of the check to file a claim with XXXX  that's where the check is from and still no response they did ask the marker to verify the check with citibank and they did with fraud department as well. I need to know where are my funds and what is the next thing to do when the marker doesn't want to file a claim with XXXX  because on there end it's been funded and citibank is holding it.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reference to complaint XXXX Against Experian, I wrote to Experian to investigate my inquiry regarding my credit report and its accuracy back XXXX on XXXX, 2023. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the inquiry must be investigated and either confirmed or deleted within 30 days. See Attachment Experian did not respond within 30 days and instead waited until I sent them a Certified letter about 80 days later XX/XX/XXXX demanding deletion when they knew they had No choice but to respond because I now had proof that i had been writing them regarding the investigation of my credit report. 

Now that I have file a complaint with CFBP they are asking for more time to investigate, NO they do NOT GET MORE TIME, they are BREAKNG the LAW? .... 

XXXX had also not responded within the 30 day timeframe but when I sent the XX/XX/XXXX letter telling them they had not acted within the law and that they Must now delete the items in question, they did. PLease see XXXX screenshots, Experian need to do the same. I would rather not make this a legal matter and I am once again asking Experian to remove the negative items as required by 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My financial history with XXXX should be private. 

Per the terms and conditions of XXXX it is noted they agreed not to share my information with non-affiliates. Experian is not an affiliate of XXXX. 

Per the SEC filing of XXXX it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} or more the balance is credited to the consumer. Reporting this account as a late is a violation of the oath XXXX agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. 

XXXX and Experian or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

XXXX is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that XXXX transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I received an email from Wells Fargo alerting me that a check deposited on XX/XX/XXXX into my account was " returned unpaid '' and the amount ( {$3600.00} ) was deducted from my checking account. I did not attempt to deposit a check on XX/XX/XXXX. Upon logging into my account online I noted that a withdrawal was also made on XX/XX/XXXX for the same amount ( {$3600.00} ). I did not withdraw money on this day either. The transaction detail indicated that the transactions were " in branch '' in XXXX XXXX NC. I live XXXX hours from this branch ( I live in XXXX VA ). I called customer service on XX/XX/XXXX and disputed this transaction and explained that I did not attempt to deposit a check for {$3600.00}, nor did I withdraw {$3600.00}. I also explained that I was not in NC on this day or any other day. I did not hear from Wells Fargo again. I continued to check the status of my complaint online and observed that the case was closed on XX/XX/XXXX. With no explanation or contact from the bank. I called customer service again and was told that the research team determined no fraud occurred. I requested elevation. Another complaint was opened on XX/XX/XXXX and that evening I received a call and was told that without a police report and investigation no further action would be taken. On Monday XX/XX/XXXX I went to my local Wells Fargo branch and spoke with a banker in person. They called on my behalf and were told the matter was closed and if I got a police report they would consider re-opening the case. When the banker asked what police department should be contacted ( local or in NC ) he was given unclear instructions. He asked that they call me as soon as possible to discuss. Later that day ( XX/XX/XXXX ) I again received a call from the same individual as the evening of XX/XX/XXXX and was told there was no loss and there would be no further consideration by Wells Fargo into my claim. I again explained there was a loss as I am out {$3600.00}. The fraudster walked out of the bank with {$3600.00} of my money. The individual said I have a problem with the withdraw, not the deposit. I would need to submit a new dispute for the withdrawal. When I asked if she could help me with that I was told to call the number on the back of my debit card and start over. She then hung up. 

I don't understand how someone can walk into a bank branch 5 hours away and steal my money without ID or authorization. Wells Fargo is not interested in investigating or resolving my claim.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. ACCORDING TO THE FRCA 15 USC 1681, EVERYTHING HAS TO BE 100 % ACCURATE. 

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. EVERYTHING CIRCLED IN BLACK IS A VIOLATION. 
Accounts- 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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have had problems making payments to Barclay 's for ~4 months. I've tried to make payments and they claim they are returned. So I incurred late fees and extra interest. Barclays even went so far as to mar my credit when they had no legal right to do if they refused to take my payment! I tried to pay them off at least twice... I have written them a paper check to pay them in full and still haven't heard anything about that CHECK? My bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, informs me they have not received any thing from Barclay 's. It appears they do not want to take my payment to settle my account. 
WHEN I get this straightened out. I will NEVER do any business with Barclays again!

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently disputed the accounts/ information listed below to Experian and XXXX XXXX agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 XXXX has responded stating the information was verified and XX/XX/2023 Experian responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of Experian 's and XXXX 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with XXXX and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against XXXX and Experian to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as XXXX 's response.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ; XXXX  XX/XX/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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Co XXXX XXXX 15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent proof that I entered an agreement with XXXX  and have made payments for the last year and entered an agreement provided the proof however Experian has refused to remove the red non payments for the last XXXX year I have paid and entered into the agreement Additionally XXXX XXXX i never entered any contract with and have no contact for that debt they refuse to prove I have any signed contract with XXXX XXXX  and continue to publish this debt my debt is not with them

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