vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: LA

Complaint narrative:
XXXX is attempting to collect a debt and make it a public matter, this is my personal private information that an institution is attempting to invade the privacy of the consumer and list such debt is owed, aside from providing the original instrument of indebtedness. I have previously stated my request for deletions for other student loans and they were removed which is a violation of reinserting deleted material in 15 U.S.C 1681 procedures in ( C ) Procedures in case of disputed accuracy to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). This company also isnt abiding by The Gramm Leach Billy Act, this act was placed into law for consumers to report company such as EdFinancial from reporting certain private information. The right to privacy act of 1974 also states, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my account for no reason and wont tell me why. However I had a balance of just over {$480.00} dollars in there. They advised a check would be sent out. This check was never received so I requested a new check to be sent out 4 times. They keep telling me a new one would be sent however theyre not giving me a date on this. Its now been 2 months since the account was closed and still not received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-12-22 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-12-22 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I called the customer service hotline and requested a 12 month Certificate of Deposit that I had with the bank, Capitol One, to be closed out in the amount of {$10000.00}. The phone agent gave me the option of choosing an internal transfer to another Capitol One account or a check. Since I do not have a primary bank account with Capitol One, I chose the latter. 


I waited for approximately XXXX weeks for the check to arrive and never received the check. When I called to inquire about the status of the check on XX/XX/XXXX they said they had mailed it out on the original date I requested it to be sent. At that point we presumed the check was lost in the mail and they promised to put a stop on the old check and start the process of sending in a new check or by ACH. This required me to sign an affidavit by email to confirm that I had indeed never received the original check. 


However, on three different occasions ( XX/XX/XXXX, and XXXX ) I had to follow up with them to ask for the affidavit to be sent as it was not arriving by my email. By the third time I had requested that it be sent to a different email account separate from my primary account. I still had not received this information and they kept promising that the affidavit would be sent. 


On XX/XX/XXXX, I lodged an official complaint with Capitol One to protest the lack of receiving an affidavit. While on the phone with them I learned that they would also require 90 days after signing the affidavit before they could reissue a check or ACH as they stated that the original check was still outstanding despite them putting a stop on it and since the check was guaranteed funds, they had to wait out the legal period the check could be active until they could reissue it. That would put the date somewhere into XXXX or XX/XX/XXXX before I could hypothetically receive my money back. 


I protested the matter stating I could not wait 3 months for my check/ACH to arrive, as I need the funds to be deposited now. The manager seemed sympathetic but was unable to help. Now I'm stuck in the position of having to wait for an affidavit that will always somehow not arrive along with having to wait an additional 90 days on top of that to receive my funds. Capitol One has been fairly unprofessional in helping me to resolve this matter outside of one or two people and I am looking to get my money back from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely 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 2023-12-22 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely 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 explanation
Consumer complaint received 2023-12-22 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-22 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: U.S. BANCORP
State: MD

Complaint narrative:
My Fidelity Investment credit card was compromised twice in the last two months. I have opened fraud investigations and I spent more than an hour on the phone with a representative and at the end of the call, I asked the representative how much I had to pay this month and was told that I did not have to pay anything because I had all these wacky charges on my card and I had already paid during this billing cycle. Several days later, I was charged interested and late fees on my card balance. 

1 ) I ask that the company remove the interest and late fees.

2 ) Help me sort out how much I owe on this card as I simply can not figure it out. Too many items are in dispute status, and some are not, and I can not figure out the calculations. 
3 ) Work out some interesting/penalty free way to finish all the disputes and get the credit card balance to XXXX. -- I can't figure out what is going on because there are thousands of dollars of fraudulent charges on this card.

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 2023-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
While trying to get a home equity loan through my bank I was notified that I had a recent hard inquiry from capital one on XX/XX/. After looking threw my records I never made nor approved capital one to make such inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-12-22 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
On XX/XX/, I called Apple Card at Goldman Sachs regarding my concerns. I was referred to the XXXX XXXX XXXX XXXX. I called both XXXX and XXXX, which, for your reference, are listed at https : //www.goldmansachs.com/our-firm/locations.html. The agents answering the phone were clueless and ultimately transferred me to the New York switchboard. The New York switchboard took down my name and number and passed my information along to the Apple Card corporate office for call back. No callback has been received from them thus far. 

On XX/XX/, I chatted in to Apple Card at Goldman Sachs 's XXXX customer service line. The agent was unable to open my PDF document containing the letter and evidence requested. *Per the agent 's request*, I sent in individualized images of the PDF document through the chat. The following messages were incessantly spammed to my phone by the Goldman Sachs 's system : " Sorry but an error occurred while sending the file. Please try again. '' and " We can not complete your request at this time. Try again a little later. '' These large volume of messages harassed me during my work day and also suggest that Goldman Sachs 's customer service system is dysfunctional, inhibiting consumer 's ability to exercise their rights under the Fair Credit Billing Act, or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
My information was impacted by the Equifax Data Breach and many items in my credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Fraudulent Item & Explanation : XXXX XXXX XXXX XXXX XXXX {$3800.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXXXXXX XXXX  - {$21000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX - {$910.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXXXXXX XXXX XXXX {$360.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXXXXXX XXXX XXXX {$390.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 9. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX$1000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 11. XXXX XXXXXXXX XXXX- {$410.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX ( posted XX/XX/XXXX ), I attempted to withdraw {$100.00} from my checking account at an ATM in XXXX XXXX in XXXX XXXX DC. The ATM did not process my transactionit spent a long time loading before proceeding to eject my card and not dispense any money. I didnt think much of it and proceeded to try a different ATM in the same building. The second one worked and I was able to withdraw {$100.00}. However, BOTH transactions posted on my account, charging me {$100.00} ( includes atm fee ) twice. Ive tried to contact my bank ( Navy Federal Credit Union ) multiple times regarding this. I disputed the first withdrawal and they notified me that they determined from their investigation that I benefited from the transaction. Ive called at least 3 times trying to speak to someone in the relevant department with no success. I was directed to just submit an appeal through the app which was rejected saying the same thing as the initial decision. If I could actually speak to a human there that works in the correct department, I think they would understand that it wouldnt make sense for me to withdraw the same amount in the same building on the same day if I got the money out that I was trying to withdrawal the first time. I think in whatever investigation they did, they are confusing the first transaction with the second. This is more about the principle at this point than the actual money lost as {$100.00} is not nearly worth the time I have spent attempting to resolve this. I just submit a complaint with the XXXX XXXX XXXX the other day as well and I will continue to escalate the matter until a human working with Navy Federal Credit Union reaches out to me to apologize for their negligence and refund my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is reaching out to me regarding a credit card debt collection that was in my name. I was not aware of this debt up until now, the amount sums up to XXXX

Company response to consumer: Closed with explanation