vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: NV

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 2024-02-17 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: NV

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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Complaint against TD Bank XX/XX/year> I received call from bank about Fraud for XXXX, I denied the purchase. 

The next day the amount was charge to my account. 

The fraud complaint XXXX was filed on XX/XX/XXXX, and denied on XX/XX/year> I opened another complaint XXXX on XX/XX/year>, this time asking for the evidence that was provided against the claim. 

On XX/XX/XXXX I was denied again leading to the most recent claim XXXX I spoke with XXXX, XXXX, and XXXX. Unfortunately I do not have the name of the gentleman I spoke with on the XXXX however all phone calls should have been recorded. 

I removed all my funds from the bank to another bank leaving XXXX in the account until the claim was resolved. However now I am being charged with XXXX $ maintenance fees every time the claim is denied due to the banks policy. 

This extortive process is demeaning and disheartening as I have banked with TD for 8 years with no issue until now. 

After reviewing the evidence the bank provided it is clear there is not only a level of incompetence that is allowed but encouraged, as the people I spoke to clearly were not all on the same page of how this process was being handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have had this chime account since XX/XX/XXXX. I had made a transfer from my XXXX XXXXXXXX XXXX account over to Chime Bank of {$50.00} on XXXX XXXX. I made a second transfer on XX/XX/XXXX, of {$950.00}. Thats a total of {$1000.00}. After a small purchase, I had a total of {$990.00}. About two weeks later, I received my previous transactions for my XXXX  XXXX XXXX account and noticed a transfer of {$50.00} coming from a XXXX XXXX. Due to me not knowing that XXXX XXXX  was just another name for Chime Bank, I reported the suspicious activity to XXXX  XXXX XXXX and there was a fraud investigation within minute. Two weeks later, I receive mail from Chime Bank and within the notice, I seen XXXX XXXX and realized I made a mistake. I called XXXX  XXXX XXXX to try to cancel the investigation because I am now aware of who XXXX XXXX is, but they couldn't just end it there. They said it was too late to cancel. I have tried to come to a solution and I have reached out on XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. This would consist of communication either on the phone or via email. The process is I give them a call, they escalate the situation, and let me know that only department that can help me communicates only through email. So they send me an email stating that I need to send over an overview of what happened, with a picture of my ID and a letter from XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX says there is no letter they can give me from there I'm stuck. Ive tried to explain that to everyone and no one can help me. I received an email confirming that I will receive a check and the amount would be {$990.00} on XX/XX/XXXX and I never received the check. I would call for an update and was told that it was on it way and when I called a month later the story changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I applied for the co-signer release last year after I had made more than 24 consecutive payments on tim ( thats what they require to release the co-signer ). They denied saying that I did not meet the income and credit requirements. I make $ XXXX a MONTH gross income from the US military ( evidenced by tax returns and W2s ) and have residual rental income, and a credit score of XXXX plus. If they are denying my request they need to give the specifics. My co-signer makes 5 times less AND has the same credit score. She cant buy a house now because they are refusing to release her and YOU, the United States government is failing to hold these banks accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The guy that called pretended to be some type of law enforcement and tried to scare me into paying a debt that he couldnt give me detailed information on. He couldnt give me a source of where the debt originally came from and just kept saying credit card then continued to say would you like to make a payment today or you could face jail time, wage garnishment, or even lose your house. I dont understand how a credit collector can threaten people like that! I am a single mother, I lost my job when Covid hit and I have a sick child that requires me to be home with him a lot so its impossible for me to work right now. The last thing I need is a credit collection bully calling multiple time per week threatening me. Note : I am also registered on the do not call registry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I disputed unauthorized inquiries with Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted several round of letters and FTC reports with each round of disputes. Each time, Equifax has responded with no deleting the unauthorized inquiries because they claim the documentation wasn't clear, the inquiries are factual, or ignoring the disputing all together. I have also called and have been lied to saying they havent received any documents when I send each letter certified and know that they have received the disputes through me tracking thru USPS.com. 

Equifax has willfully been noncompliant with my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In XXXX or XXXX ( not clear ) my citibank card expired, and they never sent me another one. I realized after going online to pay, that they had actually frozen my ability to use the account. At that time, they said I had to keep paying, and it appeared as if I had credit available, but they never sent me a card to use or allowed transactions to take place online. 

Since then, I have been locked out of the online account so I have not been able to see the status of my account. I also have not received ANY statements, until last month when I received a mailed letter dated XX/XX/XXXX that said I had until XX/XX/XXXX to make a payment or the account would be referred to collections. I tried calling today ( I only received the letter in the mail this week ) and I was shipped from agent to agent and ultimately hung up on. I was going to make a phone payment to avoid collections. 

For more than a year, I have been trying to gain access to my citibank credit card account online in order to make payments and track the account status. In XXXX of XXXX, I set up a series of automatic payments, but they did not go through. In XXXX and XXXX of XXXX, I had to make a large payments to stay active, but I was never able to access the account online. 

The company has been playing games with access to my account information, they have not communicated with me about the status of the account, and now my credit is suffering! I am current on every single other account I have. This is a total nightmare and seriously damaging my credit! 

Please help me get Citibank to respond and take ownership in their role evading my attempts to make payments!

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 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL INQUIRIES ON MY REPORT AND THEY DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE 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
Consumer complaint received 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After contacting these creditors individually, they have each informed me that the best way to remove these inquiries would be to reach out to the credit bureau themselves. I am requesting these inquiries be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors. I am not currently looking for credit. 

XX/XX/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 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/24 Dear Consumer Financial Protection Bureau, I am Writing to file a formal complaint against Capital One for their violation of my consumer rights as protected by the Consumer Financial Protection Act. It has come to my attention that Capital one has placed a charge off on my Consumer File. Not only does this debt not belong to me, but the reporting of this information is also inaccurate. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
DUTY : a moral or legal obligation ; a responsibility ACCURATE : correct in all details ; exact PROHIBITION : a law or regulation forbidding something The Lender must file form 1099-C and send you a copy of the amount If debt cancelled is {$500.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. 
As Defined by The IRS Even if you didnt receive a Form 1099-C, you must report canceled debt on your tax return. 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 the reporting of this account INACCURATE! 
The actions of Capital one constitutes a clear violation of 15 U.S Code 1681s-2 ( a ) ( 1 ) ( A ). I urge the Consumer Financial Protection Bureau to investigate this matter promptly. Also, I request regular updates on the investigation 's progress and any actions taken as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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:
I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-17 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:
I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXXXXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXXXXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Account XXXX XXXX XXXX  account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXX.credit bureau changed the removal date 2times..Please delete account from my credit report

Company response to consumer: Closed with explanation