vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One Auto Finance is reporting a balance of {$33000.00} on my credit report. The vehicle was repossessed a few months ago and sold at auction. When I received my statement it showed impound charges of {$7200.00} XXXX notified them that my vehicle was never impounded and I was never contacted in regards to an impound. They did not investigate this at all as of today my credit report stated that the balance is XXXX which XXXX of fraudulent impounds fees are included in this total. Plus the balance was updated after the vehicle was sold. This has caused me a lot of stress and XXXX. I know that it is illegal to report inaccurate information on someone's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to you to follow up regarding unauthorized inquiries that have been.

reported on my credit report. Despite my repeated attempts to rectify this issue, the unauthorized inquiries remain unresolved. Furthermore, the presence of these inquiries without my consent may constitute violations of the Fair Credit Reporting Act ( FCRA ).

I have previously submitted disputes regarding these unauthorized inquiries and have not received satisfactory resolutions. As a consumer, I have the right to authorize any inquiries made into my credit history, and any inquiries made without my consent are in direct violation of my rights under the FCRA.

The continued reporting of these unauthorized inquiries not only affects my credit score but also undermines my privacy and security. It is imperative that immediate action be taken to investigate and remove these unauthorized inquiries from 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Reported a number of Hard inquires showing up after XXXX XXXX XXXX XXXX XXXX, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with XXXX XXXX XXXX return receipt address to Executor at address below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I called LVNV Funding LLC MONTHS ago about this alleged debt, I asked for this alleged debt to be validated and to provide me with the following documents 1. Provide me the original contract bearing my written signature.

2. Purchase Agreement 3. Authorization of law to collect this Alleged Debt 4. Send evidence of authority under 15 USC 1692 ( e ) and 15 USC ( f ) for this alleged debt 5. Send evidence your authorize to do business or operate in North Carolina.

I ask for the following documents but they only send me an account summary. I need this alleged debt remove off my credit report immediately. My rights as a cosumer is being violated! Please ask for the following documents to validate this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am not liable for this debt with JEFFERSON CAPITAL SYSTEMS. I do not have any binding contract with JEFFERSON CAPITAL SYSTEMS. JEFFERSON CAPITAL SYSTEMS has yet to provide me original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
In XXXX of XXXX I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) with a promotion. The requirement said you couldnt be an employee and had to have {$3000.00} in the account at the end of 90 days. If all requirements were met at the end of 90 days, they would put {$500.00} in the account. 
At the end of 90 days I had {$3000.00} in there and wasnt an employee, but they just keep telling me Im ineligible and wont be receiving the promo bonus and I dont know what else to do.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE XXXX  ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE.

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION.

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( EQUIFAX, XXXX, AND XXXX ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE XXXX  ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE.

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION. 

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( XXXX, EXPERIAN, AND XXXX ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX opened a small business account with Capital One several years ago on behalf of my company. She only made herself signatory. She passed away in XX/XX/XXXX. I contacted Capital One about changing signatory on XX/XX/XXXX. They told me they could not change the signatory and had to close the account ( sounds ridiculous ) and to send in a bunch of paperwork including death certificate and signatory change forms. On XX/XX/XXXX I had heard nothing, so I contacted them again. They told me to send in all the same paperwork. I heard nothing again and called them on XX/XX/XXXX. They said they couldn't talk to me since I didn't have signatory status and someone would call me. I did get a check on XX/XX/XXXX and sent it to a new bank to open an account. When the new bank presented the check to Capital One on XX/XX/XXXX, Capital One told them to Return to Maker ( for a check Capital One wrote themselves ). I talked to Capital One today and they said they can't talk to me about it and one of three departments XXXX contact me. 

I have been on the phone with Capital One for six to seven hours now and each time the supervisor ( second level support ) tells me there is no one else at a higher level that will talk to the public and there is no one else to call. I have to wait and hope someone from one of three unnamed departments calls me. That was the same promise I got in XXXX. 

I feel like I am out over $ XXXX plus interest and will never see the money due to the run around and broken processes at Capital One. Or maybe they are highly effective processes for stealing people 's money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX, XXXX XXXX XXXX Account Number XXXX JPMorgan Chase To Whom It May Concern, I am writing to formally lodge a complaint regarding the unsatisfactory service I received from one of your employees, XXXX, in the Claims Department. My experience with her was highly disappointing and has left me deeply dissatisfied with the level of professionalism exhibited by your institution. 

During my recent interaction with XXXX on XX/XX/2024, I encountered a series of unprofessional behaviors that significantly impeded our communication and resolution process. Firstly, XXXX repeatedly interrupted me and exhibited a dismissive attitude, which made it challenging for me to convey my concerns effectively. Moreover, she demonstrated a lack of patience and courtesy by abruptly hanging up on me, thereby terminating our conversation without addressing my queries adequately. 

Furthermore, I am particularly dismayed by XXXX 's handling of a credit reversal on a claim. Despite the claim being reopened by another manager for further investigation, XXXX failed to conduct a thorough reevaluation and unjustly reversed one of my credits without valid justification. This negligent oversight not only reflects poorly on her competence but also raises serious questions about the integrity of your claims resolution procedures. 

I firmly believe that the conduct exhibited by XXXX is unacceptable and does not align with the standards of customer service expected from a reputable institution like JPMorgan Chase. As a loyal customer, I am deeply disappointed by this experience and expect a prompt and satisfactory resolution to rectify the situation. 

In light of the aforementioned grievances, I kindly request the following actions to be taken : A formal investigation into XXXX 's conduct and the specific incidents outlined in this letter. 
A review of the claim in question to ensure a fair and accurate assessment of the credit reversal. 
Immediate disciplinary action against XXXX if found culpable of misconduct. 
XXXX that measures will be implemented to prevent similar incidents from occurring in the future. 
I trust that you will treat this matter with the seriousness it deserves and take appropriate steps to address my concerns in a timely manner. I appreciate your attention to this issue and look forward to a swift resolution. 

Thank you for your prompt action in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I spoke today with a XXXX at Wellsfargo WF bank na. I was cheated as part of a jobs scam into sending payments to vendors supposedly for equipment for a data entry job. I filed claims with WF TO GET THE MONEY BACK. i SPOKE EXTENSIVELY WITH THE FRAUD DEPARTMENT WITH wf. WF CLOSED THE FRAUDLENT XXXX CLSIMS. i HAVE no business with the vendors. They are part of the fraud and have no contact information with them. WF is my bank they need to reopen the claims one for {$480.00} and one for {$1000.00} and at least try and get my money back.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: SC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT these creditors have violated my rights under 15 USC 1681 SECTION 602 states I have the rights to privacy 15 USC 1681 SECTION 604 A SECTION 2 It also states that consumer report agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer payment plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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 credit 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