vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My funds from a check for XXXX have been on hold for over a month ( which is illegal ). I have told them several times I have documents showing the funds are legit, but they refused to accept them, and they refuse to deposit the funds. Now they are closing my account and still wont give me my funds! I requested my {$2800.00} to be mailed overnight in a check, or allow me to get it from a capital one bank myself! They say they will close my account, but keep my funds until XX/XX/XXXX, then possibly mail me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
The credit reporting agencies have asserted that these accounts were thoroughly investigated and confirmed as verified. However, this assertion raises serious doubts, as my credit report still contains multiple inaccuracies. 

As a consumer, I demand transparency regarding the specific steps your agency undertook to ensure the accuracy of these items, as required under 15 U.S.C 1681i ( 7 ) Method of Verification. It is my right to understand how these discrepancies were addressed and resolved to guarantee that my credit report reflects 100 % accurate information. 

The continued presence of these inaccuracies undermines my ability to manage my financial affairs and damages my creditworthiness unfairly. I urge your agency to conduct a thorough and genuine reevaluation of these accounts, considering all relevant documentation and evidence I have provided. 

I expect a prompt and detailed response that outlines the exact methods used to verify these accounts and how the discrepancies will be rectified to comply with federal law.

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 2024-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies have asserted that these accounts were thoroughly investigated and confirmed as verified. However, this assertion raises serious doubts, as my credit report still contains multiple inaccuracies. 

As a consumer, I demand transparency regarding the specific steps your agency undertook to ensure the accuracy of these items, as required under 15 U.S.C 1681i ( 7 ) Method of Verification. It is my right to understand how these discrepancies were addressed and resolved to guarantee that my credit report reflects 100 % accurate information. 

The continued presence of these inaccuracies undermines my ability to manage my financial affairs and damages my creditworthiness unfairly. I urge your agency to conduct a thorough and genuine reevaluation of these accounts, considering all relevant documentation and evidence I have provided. 

I expect a prompt and detailed response that outlines the exact methods used to verify these accounts and how the discrepancies will be rectified to comply with federal law.

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 2024-07-05 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: TX

Complaint narrative:
Reviewed most recent credit report from Equifax and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. 

After contacting the EquifaxI was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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 am writing to follow up with my ongoing dispute regarding these collections accounts that are totally unrecognizable and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up with my ongoing dispute regarding these collections accounts that are totally unrecognizable and erroneous.

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 2024-07-05 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: NY

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: OH

Complaint narrative:
I am writing to dispute several unauthorized inquiries that continue to appear on my credit report. Despite my previous requests for their removal, these inquiries remain, negatively affecting my credit score.

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 2024-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Called USAA about the same Mysterious transfer from the USAA account to XXXX XXXX XXXX XXXX called XXXX XXXX  XX/XX/year> ended XXXX Name of rep : Rep answers after auto prompted remind me of survey following end of call. 

Rep : How can i assist you today? 

My response : I need to know who initiated/authorized the XXXX XXXX  transfer of {$3600.00} out of my account to XXXX XXXX XXXX? 

Rep : I do not know. it was withdrawn as a collection. 

My response : What is your bank regulations on a checking account being transferred out of thin air with consent and labeled as a collections? 

Place on hold Rep : I will check pay bills account info to see if we have more info. we do not have more info. The company is with drrawing directly from your account My response : Please stop that {$3600.00} payment from XXXX XXXX  on XXXX XXXX. 

Rep : I will not a date for the future charge to this account. 

My response : No mam I need the XX/XX/XXXX pending charge stopped Rep : I CAN NOT stop that charge. But I will need a future posted date when to stop a charge from this bank? 

My response : The name of the person in charge of your department? ( she did not give the me information ) Rep ended called with no survey. As stated, The representative could not stop pending " collection charge from my account ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX XXXX are alleging that I owed an amount of {$16000.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
this account is fraudulent. Done without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: Westlake Services, LLC
State: GA

Complaint narrative:
So i would like to say that American car center sold my debt to westlake portfolio with out my permission or signature and they are violating law Fcra section 605B i asked them for original contract with my signature, a copy of my payment history, address of original creditor, and proof of collection authorization And my contract states on on line 39 MODIFICATION : Any changes in this lease will be in writing and signed by you and the assignee I didnt sign anything

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
So according to Citibank, my funds are fraudulent and they are going to keep my {$1600.00} until they can verify where the funds came from. I work with XXXX as a reseller and I do trade ins which in return XXXX gives me direct credit back to my choice of payment. Citibank has seen a large amount of incoming credit from XXXX and decided to close my account. Originally, I was supposed to receive a check in the mail with my funds, but now, the fraud department has stepped in and decided that I am not going to receive my money. I dont know who these people think they are or what right they have to keep MY money. I am deciding to submit a complaint in hopes to retrieve my STOLEN funds. 

I can also see that there has been a withdrawal made on my final statement which I did not make. I am suspicious of Citibank stealing my funds directly.

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 2024-07-05 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-07-05 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: TX

Complaint narrative:
Experian has been reporting inaccuracies to my credit report which has not been matching up with XXXX and XXXX. The accounts below have been reporting inaccurate data compared to the other 2 credit bureauXXXX and XXXX. Accounts in question are listed below. 

XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX These inconsistence are causing detrimental effect to my credit score. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I feel like my rights are being violated at this point and need Experian to update my credit report as the other credit bureau have done to make this right. If not, I will persue legal action to do so.

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 2024-07-05 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstCredit, Inc.
State: OH

Complaint narrative:
XXXX XXXX is attempting to collect a debt via debt collection company, First Credit FCI : ( XXXX ) XXXX, reference numbers XXXX and XXXX. 

National average for the procedure performed is around {$1000.00} which is approximately what was charged. There was an additional charge, however, for over {$5000.00} for the use of the room. This is reminiscent of scams in XXXX and XXXX XXXX. 

This is ridiculous. 

This procedure was performed in an XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
When my car was stolen my purse was in it with my kids and my social security cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We had recently purchased a holiday trip to XXXX using our Capital One venture X credit card. Due to my husband 's XXXX we had to cancel our trip that we made 3 months ago. We cancelled the trip with Costco Travel and they gave us {$3000.00} out of {$4100.00}. Our credit card promised that they cover trip insurances but when we filed a claim for this trip cancellation they are coming back with all their hidden rules and not returning our non refundable money back that Costco didn't give us back which is {$1100.00}. 

I am not happy that we are stuck with this credit card folks for our trip. It's not been an easy conversation with them and on top of that my family is also sick. It's been a terrible experience to have purchased our trip with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated and disappointed with the lack of response from your bureau regarding my dispute submitted over 30 days ago. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within this time frame. However, I have received no communication or resolution. 

This delay is a clear violation of my rights under the FCRA and has caused unnecessary stress and inconvenience. I provided all the necessary documentation and details to support my dispute, yet it remains unaddressed. 

I demand an immediate and thorough investigation into my dispute, as well as a detailed explanation of why my dispute was not handled within the legally required timeframe. This inaction is unacceptable and undermines the credibility of the credit reporting process. 

Please address this issue promptly and ensure that the inaccuracies on my credit report are corrected without further delay.

Company response to consumer: Closed with non-monetary relief