vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
As a Joint account, I am requesting to be Removed XXXX XXXX Credit report as Payment history late. XXXX no longer has access or contact with me in this car lease. As far as the late history thanks for your regards to my loss. I am requesting and insisting in a goodwill For XXXX XXXX Credit report to be removed. as well as proof of late discrepency as youreport.

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 2024-02-07 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 insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received a text from XXXX saying it was from Chime asking if I attempted a purchase of {$400.00} at XXXX. I said no. The next text said a representative would contact me shortly. I received a phone call from the Chime customer service phone number ( XXXX ) XXXX. The representative verified the last XXXX digits of my XXXX and said someone had accessed my account and they recommended changing my account number. He said his XXXX would send me a notification to approve the transfer to the new account. I received a text from Chime saying, " XXXX XXXX requests {$2000.00}. Tap to approve or decline. The notification said " For transfer into new checking '' The chime sign for the account was " $ XXXX XXXX As soon as I did, the call disconnected. I IMMEDIATELY realized that I'd been scammed and IMMEDIATELY called Chime Customer Service ( XXXX ) XXXX and spoke to a representative and asked for the transaction to be reversed. She took some information, the same information I relayed above, and gave me a dispute number. I later received an email from Chime that no error had been made and they would not reimburse my {$2000.00}. I knew no error had been made, but they could have seen the notification on the transfer, " for transfer into new checking '' and reversed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear CREDIT MGMT, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections 10-1-910 and 10-1-912 of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that CREDIT MGMT Account Number : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for CREDIT MGMT Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that CREDIT MGMT Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect CREDIT MGMT Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call and voicemail message from Capital One fraud department saying that they wanted to confirm suspicious activity with my information. I ignored the message because during that time I have been receiving many scam calls and texts to my cellphone. 

On XX/XX/XXXX, I was browsing my XXXX XXXX and found a hard inquiry done to my credit report that I had not requested or authorized. The hard inquiry was made on XX/XX/XXXX and the institution Information is : Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I quickly went to XXXX and submitted an online dispute describing what had happened. The resolution came on XX/XX/XXXX, and it determined that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The whole result of the dispute is attached in this report. 

On the same day, I called Capital One, and they told me that they are not able to do anything about it and that I have to take the concern to a Credit Bureau. 

After that, I called XXXX. They added a fraud alert on my credit information and prompted me to make a report to the Federal Trade Commission. From the FTC, I was redirected to this forum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I believe my information is been sold by third party companies I keep receiving notifications of hard inquires I dont 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 2024-02-07 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
An unauthorized withdrawal for {$14000.00} was made on my business checking account on XX/XX/XXXX. I noticed in XX/XX/XXXX and contacted UMB Bank. I filed a STATEMENT OF UNAUTHORIZED DEBIT with UMB Bank on XX/XX/XXXX. 

UMB Bank gave me the name of who made the withdrawal. It was an XXXX XXXX XXXX. 

UMB Bank attempted to contact XXXX XXXX XXXX department, but they told them I had to contact them. I tried to contact XXXX XXXX, but they told me UMB Bank needed to contact them. 

I followed up with UMB Bank, but there has been no resolution. 

I also filed a theft report with the XXXX Police Department, but have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX XXXX should have XXXX balance after XXXX plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have ten years of eligible employment for the FMLA from XXXX XXXX XXXX House, State of IL IDES and Dept of the Treasury IRS. Yet XXXX just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in 1993 and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!

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 2024-02-07 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: IL

Complaint narrative:
I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX XXXX should have XXXX balance after 20 plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have ten years of eligible employment for the FMLA from XXXX XXXX XXXXXXXX XXXX, State of IL IDES and Dept of the Treasury IRS. Yet XXXX just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in XXXX and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
The wife and I recently changed accounts so we had to update all of our auto-pay information. Well before the payment was due I updated Lakview Loan ( XXXX ). 
The payment went through but i never saw it leave my account. A few days later, but before the payment was considered late, Lakeview notified me that it was " insufficient funds '' yet plenty of money was in the account. 
I attempted to contact XXXX/Lakeview but it is nearly impossible to get ahold of anyone ( probably by design ). Anyway, got in touch, documented that they said to resubmit the payment so I did. Sure enough, it did not go through again. 
In an effort to avoid penalties or a negative credit impact, i issued a payment directly from my account. 
I was charged a late fee even though i was instructed to re-attempt auto pay which im not surprised about, but today the wife and I checked our credit reports and we were both hit with a 30day late on our mortgage. My score dropped from XXXX to high XXXX 's. 
My main complaint is that XXXXr/Lakeview is almost impossible to get ahold of. When you do finally get ahold of them, it seems as though they are purpousfully vague, and lead you on. 
Also, I am very troubled with the economic incentive they have to drag things out inorder to XXXX late fees. It is economically benifical for them to delay someones active attempts to make a payment. On a larger scale, im sure they have assesed XXXX XXXXs of millions in late fees and corresponding credit hits to scrape in more cash from people that dont deserve it. I have not had 1 late credit payment in over 12 years but lakeview got me through their well designed, unethical well implemented sludge and delays. 
I do have supporting documents but its almost too much to upload as I spent almost 2 months trying to sort this out.

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Ive been watching this card very closely. I travel for a living and use for my hotels and food. What I noticed is pretty disturbing. When I use the card, my pending transaction will go against my account balance. Ive watched charges drop off of my account, but they are not coming off of my owed account balance. Pretty much double charging my account balance. Ive also noticed that when the pending transactions do post, they are being added to the account balance once again. I have called them and they cant seem to answer my questions. Like theyre just reading off of a script and have no clue how to answer these questions. Not sure what I can do about this. I will attach 2 photos. They are within a 24 hour period and the card hasnt been used.

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 2024-02-07 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:
Hello All, Capital, one froze my account back in XXXX I believe. Any way I called them to understand what is going on and they said they are going to close my account due to the activity on my account and I said what type of activities is causing this and they said they can not disclose it, any way I said just close my account and send my {$4900.00} back and they said well your account is under investigation and we can not give the timeline since its under investigation. Its over XXXX  months, they care the less to respond and explain me in the timely manner and release my fund. I think they are not even investigating and making fullish reason, using consumers money. I even called today speaking to the supervisor and he was like I don't have any update, and you call lawyer if you need to but I can not and will not share anything. Also, he declined to reveal his last name saying, they can not reveal it. How is it fair that we disclose our SSN and all the personal details to the bank, and they are not obligated to share. I also want you guys to know this.

I have the details of the individual I spoke to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Crow Creek Sioux Tribe
State: MI

Complaint narrative:
On XX/XX/2023 I was made aware that someone had obtained my information via a data breach and used it to fraudulently apply for a loan with several online loan companies including XXXX ( XXXX XXXX XXXX  ). I was contacted by this company to verify and explained that I never initiated this loan application and they told me that they would cancel the account. 

I then found inquiries related to this transaction on my reports from XXXX XXXX, XXXX XXXX, and XXXX XXXX. I disputed all three. XXXX XXXX  removed the information, but XXXX and XXXX would not remove the information. They instead directed me to work with the lender " XXXX XXXX '' to have it removed from their side. 

XXXX XXXX, XXXX " XXXX XXXX XXXX ''. Some of the inquiries show up as XXXX XXXX. 

I contacted XXXX XXXX to do this and they had their investigations team email me. Their email wanted me to send a digital copy of my drivers license and FTC Identity Theft Affidavit and or/police report, but provided no secure way to do so. They did not provide an alternative option of verifying my information such as XXXX Mail or Fax. 

It is unclear to me why XXXX XXXX and XXXX wouldn't remove the inquiries from XXXX XXXX at my request as a result of my dispute. I never initiated the loan in question. I provided identifying information and documentation to both credit bureaus to prove this. XXXX XXXX couldn't verify the loan and never funded it to begin with. So by definition those credit inquiries are inaccurate and should be removed. 

I'm happy to cooperate with LevelUp to resolve this but I am reticent to just email these documents to an unknown company in an insecure way. A data breach is how this problem started.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have tried get them to remove certain information from my credit report and they are writing me back saying I need to pay for my credit report and that I need to give them certain information. I know that 15 USC 1681 622 ( 4 ) regards my right to privacy. 15 USC 1681 ( 2 ), says that knowing the information is Inaccurate it must be deleted and not more information asked for. I have searched my account after so many years and I was shocked to see so many errors on my account. I am now starting to correct my account and fine that those who supposedly watched over it were not watching out for my good.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : Navy Federal Credit Union - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX Navy Federal Credit Union - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I contacted Chrysler capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. I informed said company that they have reported the information past the seven year time that they are allowed too. They then reported it again after asked it to be removed as if i was a new account causing my credit score to go down. I also told them according to law that i would like to opt out of them reporting to my credit report per 15 usc 6802 ( b ) thru 6805. I also informed said company that 15 usc 1681 ( 4 ) clearly states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In regards i will be seeking damages for the reporting unlawfully 15 usc 1681 ( n ) states that 1000 per violation for a persons willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. 

I hope that these matters will be resolved in a reasonable matter

Company response to consumer: Closed with non-monetary relief