vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
I have contacted Equifax Information Services LLC on several occasions, after reviewing my credit report to have the inaccurate information they are reporting within my credit file thoroughly investigated. I asked them to provide proof of the investigation from the furnishing Company of these accounts, such as account statements demonstrating the payment history, as a means to remedy these discrepancies and to delete said items if they were unable to oblige my request. Unfortunately, they have failed to honor my request and provide me with evidence of a thorough investigation, and they continue to report this inaccurate information. The XXXX XXXX XXXX XXXX accounts that are closed and reporting " late payment '' history are incorrect and inconsistent. Ex. if the payment history for XXXX and XXXX were paid on time, there is NO WAY that the account should be listed as XXXX  days " late '' in XXXX. Yet this is the information that Equifax is reporting within my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I opened a Capital One 360 Savings account to start saving for my wedding. I received a few XXXX Payments, and Capital One informed me on XX/XX/XXXX that they were putting a hold on my account until they could verify the funds. I spoke with their representatives on the phone several times between XX/XX/XXXX and XX/XX/XXXX attempting to give them the information they needed, but they kept demanding more information about the people who sent me money, including addresses I did not have. We could not resolve the issue, and I was informed on XX/XX/XXXX that Capital One had chosen to close my account and investigate the account activity. I was also told the investigation would take no longer than XXXX  days, which we have long passed now. 


Since then I have received no word on the money in my account, except for XXXX XXXX dollar check they sent, to return the initial transfer I made to the account. The representative I spoke to on the phone today, XX/XX/XXXX, had no information to give me aside from that the account is still under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a formal complaint regarding the inaccurate reporting of account # XXXX on my credit report. I have previously disputed this account and provided supporting documentation, yet the errors remain unresolved. The account is incorrectly shown with a credit limit and past due balance, even though it is charged off and should not be listed as active. This misreporting is significantly harming my credit score and limiting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CarMax, Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-10 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: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-10 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:
This morning, while checking my credit report, I noticed some unauthorized inquiries that Ive never seen before. Even after refreshing the browser, these inquiries remained unresolved. I ask that you urgently review the documents Ive sent to fix this issue and restore my confidence in my credit report.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Arbitration Dear XXXX XXXX, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with XXXX regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that XXXX is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the Cardmember Agreement, XXXX has contractually bound itself to honor my demand to resolve our dispute through arbitration. XXXX does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that XXXX XXXX  take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my XXXX XXXX  account. Please provide me with any required forms, instructions or other information I may need to properly file for and commence the arbitration proceedings. 

If XXXX Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that XXXX comply with the agreement and participate in the arbitration. Any further delay or refusal by XXXX to honor the arbitration clause may result in additional legal action. 

I look forward to XXXX XXXX XXXX prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

Sincerely, 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Arbitration Dear XXXX XXXX, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with XXXX regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that XXXX is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the Cardmember Agreement, XXXX has contractually bound itself to honor my demand to resolve our dispute through arbitration. XXXX does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that XXXX XXXX take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my XXXX XXXX  account. Please provide me with any required forms, instructions or other information I XXXX need to properly file for and commence the arbitration proceedings. 

If XXXX Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that XXXX comply with the agreement and participate in the arbitration. Any further delay or refusal by XXXX to honor the arbitration clause may result in additional legal action. 

I look forward to XXXXXXXX XXXX XXXX prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Arbitration Dear XXXX XXXX, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with XXXX regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that XXXX is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the XXXX XXXX, XXXX has contractually bound itself to honor my demand to resolve our dispute through arbitration. XXXX does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that XXXX Bank take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my XXXX Card account. Please provide me with any required forms, instructions or other information I may need to properly file for and commence the arbitration proceedings. 

If XXXX Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that XXXX comply with the agreement and participate in the arbitration. Any further delay or refusal by XXXX to honor the arbitration clause may result in additional legal action. 

I look forward to XXXXXXXX XXXX XXXX prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

Sincerely, 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX and VINCI LAW FIRM are in violation of my rights according to the FRCA. 

My wages have been garnished since XX/XX/year>. XXXX reported my balance from XXXX XXXX XXXX XXXX as {$5300.00} on XX/XX/year>. Ive included a screenshot in this complaint. Ive also included a screenshot of my year-to-date garnishments from my current employer. My total garnishments total {$5400.00}. 

As of XX/XX/year>, XXXX XXXX XXXX XXXX is still reporting inaccurate information claiming I have a balance of over {$3000.00}. 

As stated previously in my complaints, this is willful noncompliance in regards to reporting accurate information. 

Furthermore, VINCI LAW FIRM has repeatedly ignored my request for information regarding my account balances and refusing to send me any records detailing any and all payments made by me to them. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I urge the CFPB to take this matter seriously as Ive filed several complaints and yet these companies are still being allowed to hurt my ability to obtain credit through their inaccurate reporting causing me severe financial and mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: MA

Complaint narrative:
I received a Netspend debit Visa card in the mail on XX/XX/year> that I did not sign up for. I immediately went online to look up the bank/institution that it came from. I called the customer service line. There were automatic prompts to enter the card number to decline the offer of the card. I entered the card number. It said the card had already been activated. It also asked for the last 4 digits of my social. I didn't offer this info. I was given no option to speak to a customer service representative ( I called within their listed customer service hours ) so because I didn't enter my social sec. number, I was hung up on.

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