vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
I requested on XX/XX/year> that Experian remove inaccurate information from my credit report. 
There are several credit inquiries that I did not authorize that need to be removed. They sent me a response via email stating that these inquiries would not be removed even though I did not make them. 

I requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX is shutting down due to a {$12.00} million deficit. My daughter is a XXXX and we will have to transfer her to XXXX XXXX XXXX. 
This is insane and I just wanted to document it. We are going to XXXX XXXX on Friday for an Open House. We have invested $ XXXX into my Daughter XXXX education for XXXX years at the XXXX XXXX XXXX, her XXXX was XXXX last year and the XXXX XXXX XXXX gave her a $ XXXX a year Scholarship. I want to document everything. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I want to seek help with my current issue regarding some inaccuracies and errors reported on my credit report by Transunion Credit Bureau. Last month, I sought help from a consumer law expert regarding the errors in my report, who provided information about the possible violations and also helped with preparing the documents. The letters were sent out on the XXXX, and I was expecting the company to take care of the issue, but unfortunately, instead of getting a proper response, they accused me of hiring a third-party company and denied my request. I was told that this is just their way of getting away with things so I want to you the evidence. I was told I could file a case for this company 's non-complaint to the consumer request based on the FCRA law, but I don't have the time and money to go through all the trouble, as I am also sick right now. so I am sending this to the CFPB with the hope that you will look over things. I am attaching the letter I sent out last month, including their response where they accused me of hiring a third-party person to dispute the errors.

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 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have transferred {$30000.00} by secured ACH from Bank of America ( BOA ) checking account to my savings account at XXXX XXXX as I fetch more interest. This is a secured transfer with verification code sent to my mobile. Also, confirmed the transfer by me 'Yes '' for BOA text message. No error occurred and got email confirming I initiated XXXX. However, the transaction was canceled by Fraud detection department, informed me via email and text message and my account was locked. Called them at XXXXXXXX XXXX  on XX/XX/year> and the agent verified the info. unlocked the account and said it will go through. But, got email at XXXX XXXX that it is declined. Emailed them and Called them multiple times and call used to get disconected. At XXXX XXXX  on XX/XX/year>, was on phone with service rep for XXXX minutes and wire transfer entered while verifying the info by service rep and promised that it will go through. I have recorded the conversation with customer service representative multiple times. Every time they say " now we verified and it will go through successfully ''. But I do not see the ACH tranasctions on line except the initial one that has been canceled. It appears to me that they are doing on purpose. I am on my Social Security and loosing the interest on my money. This is gross negligence on the part of BOA. I request you not just resolving the issue but it should be fined so that it will not occur to any citizen XXXX XXXX XXXX XXXX XXXX I am ready to provide any documents including recorded conversations to CFPB. I also informed that it will be reported to Authorities including FTC. The customer service reps also refused to connect me to their Manager when requested. Also, asked if there is any other 3rd party intervening in this ACH transfer to not happen and says " No ''.

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 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I am a resident of the state of Louisiana and an XXXX XXXX service member. My XXXX XXXX time began on XX/XX/XXXX and has not yet concluded. I requested Louisiana XXXX XXXX benefits be applied to my Military Star Card account per Louisiana revised XXXX XXXX on XXXX XX/XX/XXXX and was denied on XXXX XX/XX/XXXX because I am not currently XXXX to a contingency area. Louisiana XXXX states : XXXX. Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court XXXX XXXX a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX, No. XXXX, XXXX, eff. XX/XX/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 2024-06-04 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists OF PERSONAL CREDIT CARDS ACCOUNTS OPEN AT BANK XXXX XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, XXXX CARD ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, XXXX BANK XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, AND XXXX BANK XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management mentioned that they sent a welcome letter, which is not true. I never received a welcome letter. There was a link on American Financial Car Center website directing me to Westlake Portfolio, but when I clicked on the link, nothing happened. Also, there was a phone number, I called the number several times and no answer. I repeated this several times in XXXX of XXXX. I can provide the phone number used and the IP address that I will be delivering to my attorney. After, I reported the car stolen, I was told by the XXXX XXXX Sheriff Department that ALL repossessions should legally be contacted by XXXX. That never happened. I just saw marks where the car had been dragged away and after all of that : I DID NOT WANT TO GET THE CAR BACK FROM WESTLAKE PORTFOLIO MANAGEMENT DUE TO VEHICLE NOT WORKING PROPERLY FROM BEING DRAGGED WITHOUT THE KEYS. ALSO, NO ONE KNOCKED ON THE DOOR TO GET THE KEYS TO THE VEHICLE. THERE WAS NO THREAT OR ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
There are unauthorized inquiries on my file that I do not recognize.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, in this letter XXXX XXXX XXXX claims that a Comprehensive Loss Underwriting Exchange ( XXXX XXXX  ) REPORT FROM a company LEXISNEXIS included negative information regarding my loss HISTORY. 
XXXX XXXX XXXX states that information in this report may deny myself coverage. 
LexisNexis was contacted and confirmed contact but still hasn't complied with the report be sent to my residence. 
Instead LexisNexis sent another letter dated XX/XX/year> giving me an IP address to access my report that I couldn't access. 
I called on XX/XX/XXXX talked to an agent of LexisNexis that wasn't cooperative, he stated what web browser was I using? I responded that the letter received from his company didn't have any information regarding web browsers with further instructions. 
Again requesting the report be sent to my residence. I was met with obstruction and denial when asked if the report could be sent to my e-mail. 


Under Section 612 of the FAIR CREDIT REPORTING ACT I HAD THE RIGHT TO OBTAIN A FREE COPY WHICH I'VE REQUESTED NOT ONCE BUT 3 TIMES AND HAVEN'T RECEIVED SAME SINCE XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-06-04 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-06-04 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: NC

Complaint narrative:
Eviction should not show up on my record due to Covid Protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I told this company to stop contacting me and to validate the debt. This debt is actually under my husband for our son but theyre calling ME. I submitted this request XX/XX/XXXX and I have received 4 calls since then. Two on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. First off, they arent supposed to be contacting me, period. And they are calling after we submitted a no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
-Received a call from Capital One about suspicious activities from my account related to XXXX XXXX. 
- I explained to the agent that those are transactions are from friends and family. 
- Agent asked that I provide a contact number for one of the people that sent me money via XXXX, and I replied that I can not do that for obvious privacy reasons. 
-Spoke with a supervisor and stated the same thing. 
XXXX informed me that the banking relationship will have to end which I said I am ok with. 
-Asked the supervisor when I can get access to my account to transfer my funds and she stated that she does not have a timeframe. 
-It is unacceptable that the bank can hold my funds and not tell me when I can have access to them. 
-While I understand the purpose of the verification, It is not my responsibility to provide other people information to the bank just like the bank will not give me other people contact info if I call them and ask. 
-It is unconscionable for the bank to freeze my funds when no fraud has been reported on it. 
-What am I supposed to do in the meantime. Put my life on hold when I can't access my funds for my daily expenses? 
-Access to my funds is needed as soon as possible.

Company response to consumer: Closed with explanation