vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
XX/XX/year> I have reviewed my consumer report and i have noticed that equifax has reported inaccurate information and reportings for millions of consumers on their reports, I am also a consumer that has been affected. This is a MAJOR violation and theres many marks and inaccurate reportings on my consumer file and reports. 

As a federally protected consumer and I am promised accuracy in my consumer report. I am making another attempt to have my consumer file promptly corrected of all the negative errors. Errors of late payments, collections, inaccurate closed accounts, that I never wanted closed and I never gave them permissible purpose to report these accounts as closed without proper validation and verification. 
They have reported missed payments, late payments, collection accounts and charge offs, which is a MAJOR violation. I demand that these errors be corrected on all my consumer files under 15 usc 1681. This is a HUGE violation and they have been exposed. All unverified information must be updated to report as accurate as PAID IN FULL OR AS AGREED. As they can see in their system they can not validate or verify the information so it must be promptly updated as they can not verify the information so they need to be removed as this is a violation which is causing me severe harm. CFPB as you are the ones that work for us, I am in need of these inaccurate reportings be updated and corrected as I have never been late, I have never requested any accounts to be deleted and all charge offs are proof that they have reported and are trying to damage me and my score and report to reflect these inaccurate reportings. I am a federally protected consumer and under 15 usc 1681. They owe me big money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a dispute of {$700.00} for the purchase of a bed. The bed was incomplete ( missing the headboard ) when I received it and the merchant was notified. 

Capital one has failed to protect my charge back rights and or investigate this claim on two separate occasions. 

The second time stating that because I used cashapp ( a third party ) they wont help yet if I used XXXX they would and have in the past. 

That is an inconsistent practice and fails to protect me as the customer. This purchase was made using my DEBIT card with a XXXX logo and as such I am entitled to chargeback rights and to have them charge back this transaction. 

XXXX refused to file a chargeback on this transaction and failed to assist when advised of the situation. 

Furthermore capital one was given over 31 screenshots of proof of the issue with the transaction which they acknowledge receiving. So they are aware the merchandise was not delivered. 

The claim # s are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Under FCRA put guidelines ICSystem has violated my rights according to : 15 USC section 602 : right to privacy 15 USC1681 section 604A section 2 : consumer reporting agencies can not ferish account info without 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MA

Complaint narrative:
I checked the balance on my card and saw that it was in the negatives but I didn't make any transactions. I double checked my transaction history and found nothing, I also called any companies or account holders I previously paid and they all verified there was no unknown transactions. I called and texted the customer service number for Cashapp since my visa is through their app, when i did get an answer they first told me to dispute the transaction made but there wasn't one. So I called again and was told they couldn't give me the information I was asking for. So far I have no answers as to why my money was taken and who took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was told by a Truist representative that they mailed my check on XX/XX/2024. It is XX/XX/XXXX and I still havent received a check for the funds of the account they closed without a notice or telling me the reason it was being closed.

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 2024-02-16 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: TX

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AZ

Complaint narrative:
Dear Sir/Madam : RE : Grievance with Mohela-Official Servicer of Federal Student Aid I need your help resolving a potential fraud issue. Since XX/XX/2023, I have been dealing with Mohelas staff via multiple telephone calls waiting on average 3 hours per call trying to resolve Mohelas system issue and as of today, my issue is unresolved. 

Therefore, for 5 ( five ) months, I have dealt with representatives in training, told that a manager will contact me, and now after speaking with a manager I am waiting for the Accounting Team to review my issue and justify their system discrepancy. 

I still dont have a justification or resolution. I am concerned that Mohela is deliberately delaying the resolution of this issue with the intent to earn more in interest and fees than what was provided in the original payback obligations. Please review the attached word document for the details

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I do not recognize these credit inquiries and I ask them to be removed and the bureau did not do as I ask. Im providing a identity theft report that Im attaching to this and Im requesting to be remove because they are inaccurate and not mine

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 2024-02-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of Equifax data breech, and XXXX XXXX 's data breech. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of XXXX  data breech, and XXXX XXXX 's data breech. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I DID NOT CHARGED THE CREDIT CARD CAPITOL ONE ACCOUNT OPENED FRAUDULENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have 4 inquiries on my report that I did not authorize and I have called but could not get any 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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I recently submitted a payment of {$350.00} to Plus Finance on XX/XX/XXXX, making the available credit {$850.00}. I attempted to extend a car rental while traveling out of town, but unable to do so because Plus Finance place a security hold on my account. When I reached out to Plus Finance 's customer care department, an agent stated that a security hold was placed on my account and he needed to transfer my call to the security department. The security agent stated that my card use has been suspended because of multiple canceled payment in their system and in order to use it again, they would need a " Letter of Authorization '' from my bank showing the account as in good standing and active. The canceled payments that the agent was referring to were cancelations of " pending payments '' that were canceled and resubmitted, which should not have ever been an issue in the first place. Editing a payment should not have caused an account hold. Plus Finance withdrew {$350.00} from my account on XX/XX/XXXX, but insist that I submit proof that the account is active for a technical glitch on their end. This makes no sense. 

I contacted my bank and was informed that Plus Finance would have to submit a " Borrower 's Authorization Form '' to request such account data that I would have to sign before being submitted to Plus Finance. This is extremely inconvenient. The last time I submitted payment from the same account was on XX/XX/XXXX with no issue, but all of sudden there's an issue with the bank even though I used the SAME BANK ACCOUNT 3 months ago! 

The level of customer service is subpar. The 2nd agent I spoke in customer service that goes by the name XXXX was rude and argumentative. I asked to speak with a supervisor, but she stated that one was not available and suggested a callback. However, when I declined, XXXX became combative and uncooperative, and released the call. 

It is not my fault that their system flags canceled pending payments as a security threat. This is absolutely unethical and an example of unfair collection practice especially since this company recently withdrew money out my bank account they claim that proof is needed to show that it is active! Plus Finance does not have any written disclosure on their website nor has mailed any notice explaining that any pending payments that are canceled can result in a hold on the account. I don't know of any credit card company that will penalize their customers for canceling pending payments. This extremely frustrating.

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 2024-02-16 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: NC

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.

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 2024-02-16 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: NC

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.

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 2024-02-16 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-02-16 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: Global Lending Services LLC
State: CA

Complaint narrative:
I have unauthorized inquiries from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 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 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 2024-02-16 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: MD

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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX XXXX to Freedom Mortgage. While at XXXX we made some additional principal payments which reduced the loan payoff significantly, and at the time of the transfer we had less than 170 payments remaining with a payoff date around XX/XX/year>. The Freedom Mortgage website does not take this into account and shows my payoff as XX/XX/year> and they said that they know its wrong but its just how their website is and they won't fix it. I also can not view the amortization schedule and they want to charge {$10.00} for me to view this information ( which will not even be correct since they don't know when my real payoff date is ). 

When I called, it took over 45 minutes and 4 transfers just to get to the right department who could not help. The website is full of junk ads for their affiliates and this company seems more interested in selling more services instead of servicing existing ones.

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