vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have send the payment to my mother XXXX $ thru my XXXX account but they have send it to wrong account has closed in 2019 when I contact the my mom bank they find it in closed account then they have been send it back in XX/XX/XXXX back to ally no Im still on ally bank to give me the money since XXXX The transaction was made in XX/XX/710 $

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 2023-11-14 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: AL

Complaint narrative:
I'm filing this complaint on my behalf and there's no third party involved. I've been reviewing my credit report recently and noticed these inaccurate information that's been reported. 
XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX SUNRISE XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I do not RECOGNIZE these items that's been listed and is clearly in violation of FCRA 15 U.S.C 1681i & 1681s-2.

( Copy Enclosed )

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 2023-11-14 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from XXXX & Experian told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.

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 2023-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Reference : FDIC Case # XXXX Reference : CapitalOne COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

XX/XX/XXXX Opened XXXX mo CD with $ XXXX 4.1 % with annual distribution of interest by XXXX XXXX XXXX bank of {$8300.00} - totaling {$16000.00} at maturation XX/XX/XXXX. 

On XX/XX/XXXX funds did not transfer into bank account. Called CapitalOne, spoke with XXXX, could not be helpful because of weekend and was unable to provide information about CD amounts and interest- said it should fund on XXXX! XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX still no electronic transfer. Called CapitalOne spoke with XXXX. She quoted the accrued interest for electronic transfer @ {$6100.00}!! Inaccurate!! She stated that the discrepancy in interest amount might be due to the fact that the interest was being transferred to another institution instead of re-invested at Capital One. If true, this WAS NEVER Disclosed when XXXX was opened in XXXX. XXXX stated that the electronic transfer would occur at midnight, tonight - XX/XX/XXXX. 

Capital One is committing fraud- has not fulfilled commitment to make electronic transfer of accrued interest {$8300.00} on XX/XX/XXXX, as stated in XXXX with representative when XXXX was opened. AND Capital One is withholding funds, collecting interest on my CD and customer service XXXX XXXX XXXX XXXX are unable to provide pertinent information because it is unavailable to them by CapitalOne. Filed complaint with FDIC on XX/XX/XXXX - which has been forwarded to XXXX XXXX Comptroller of the Currency. 

On XX/XX/XXXX, XXXX at CapitalOne initiated COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

On XX/XX/XXXX - Funds still not transferred as promised, yesterday. Called Capital One and spoke XXXX, who transferred complaint to XXXX. XXXX stated " escalation was in process '' taking XXXX days. Advised her of FDIC complaint # and complained that the Capitol One website displays inaccurate information about the actual XXXX accrued interest. Website says {$6100.00} but should be {$8300.00} annually XXXX interest accrued during delay of transfer from XX/XX/XXXX and another display indicated interest amount of {$8100.00} which is a shortage of {$160.00}!!!! This is inaccurate and misleading to anyone not aware of the discrepancy or willing to take the time and effort to investigate. She indicated transfer should occur tomorrow on XX/XX/XXXX. 

Update : On XXXX {$8100.00} transferred into bank account. The shortage is {$160.00} and likely will be shorted again at term XX/XX/XXXX. That would total {$330.00}. To date, XX/XX/XXXX, XXXX, Capital One has NOT responded to my complaint or transferred the {$160.00} for which I'm requesting interest. This is XXXX. 

Thank you for your efforts in addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: IL

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 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I received a text from a company that called themselves Greensky. they were thanking me for my request for a loan. I hadn't applied for any loan so i ignored it. A few days later I received another text telling me my loan had been approved. Again I ignored it thinking it was some sort of scam. A few days after that I received another text advising me that a comapny called XXXX XXXX XXXX had requested an {$8200.00} payment from my available loan for work they had done for me. I looked up Greensky and found that you had fined them for allowing contractors to take out {>= $1,000,000} in fake loans and were fined XXXX XXXX by the cfpb. Then I decided to send them a text saying that I new about their fine and was filing a complaint with you. When I went to send the text my phone warned me that I might be charge for it so I didn't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I can not have this information in my report, it is negative information, I do not want it under my name anymore.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through Denefits. 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the Denefits would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However Denefits reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with Denefits by XXXX XXXX Complaint and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore Denefits did did not report the XXXX amount to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank- Deposited a large check to the account in person at the branch. Later flagged as suspicious. Called the number on the account to verify identity and was told everything is fine. Checked cleared and wrote out checks to disperse the funds. Account again placed on hold, checks were returned. Unable to acces the account. Spent 3 hours at the branch to resolve the issue. Was told nothing they can do, will escalate to their digital team and assured me someone will call me back. No one called me after 2 days. I called the bank again and was told it is not a digital issue, it has to be escalated to the executive team and we have to wait 45 days because it is first come first serve. Apparently there is a long waiting list of complaints to be resolved. Can not get anything in writing about the case number or who is working on the case. I was told I can write to the Executive office to file a grievance and it will only take 2 weeks. Funds are held up for no valid reason, due to their internal incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a checking account with Chase Bank in XXXX of XXXX After a month of maintaining the account it was hacked. Someone spent all of my money in Texas and transferred money to a different account or place. I reported it as fraud. The bank gave provisional credit but then took it back and said I needed to go into a branch and provide proof that I wasnt in Texas at the time of the transactions and my money would be returned to me. I did this and the banker helped me fax over the documents to prove this. Then the bank came back and said unfortunately they couldnt accept that and would not be returning my money. It was over {$800.00}. I have tried calling numerous times to get my money back and my account reinstated but every time I try they tell me there is no history of my account. I just need to have my money back. Its been over a year and its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Sensible Auto Lending, LLC
State: TX

Complaint narrative:
I inquired about a vehicle at a dealership XXXX auto they asked I fill out a credit application of which I did. 
I never received a vehicle from them and they used my information which is currently appearing on my credit report. I have tried contacting the dealer and they are closed and out of business and Sensible auto also has numerous complaints regarding the dealership criminal and deceptive practices on record from numerous people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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 urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a Bank of America credit card ( XX/XX/23 ) and had a balance of {$2300.00}. Using the app on my phone it made a pay-in-full instead of setting up a monthly auto pay amount accidentally. I called B.O.A. and they said they would refund the money back into my checking account at XXXX XXXX XXXX in XXXX, MA XXXX and it would take 3 months. Approximately 3 months passed and Bank of America sent me a bill for {$2300.00} and had CLOSED my B.O.A credit card account (!? ) AND the money never went into my checking account at XXXX XXXXXXXX XXXX, XXXX, MA XXXX. I tried several months and B.O.A. said it was in " ESCALATION ''. I went to a local B.O.A. branch and spoke with XXXX XXXX, VP, XXXX XXXX XXXX, XXXX, MA XXXX T : ( XXXX ) XXXX and he argued on my cell phone with the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX T : XXXX about who's fault it is and who should take care of it. No one did anything and I received a letter from XXXX. it has been resolved but I still have not received the money. I closed the account at XXXX XXXX in case fraud compromised. I still have a balance with B.O.A. and my credit is being ruined.

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 2023-11-14 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-14 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX 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 2023-11-14 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: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I mailed XXXX {$70000.00} personal checks to my friend in MA to do a favor and send them to the hospital for the deposit on my friends XXXX XXXX. This was XX/XX/23. She put the checks in her account expecting a 5 day hold. My {$140000.00} cleared my bank in Virginia on XX/XX/23 but they have never received the checks. Santander Bank XXXX  MA has had a hold on my friends account with her pay checks and my XXXX {$70000.00} checks since they were deposited. Santander sent an email to my bank XXXX XXXX and told them for me to get my money they would have to file a fraud claim. My bank refused because they said I had done nothing fraudulent that my checks were fine because Santander had already cashed them. As of today my friends condition is worsening and they still refuse to give me my money they say it is under review. It has been almost for a month now. Please help me save my friend. Thank you so much. I have documentation if needed. One more thing XXXX XXXX closed my account this week,

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 2023-11-14 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: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.

Company response to consumer: Closed with explanation