vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/year> : Attempted to deposit 2 checks into a Capitol One approved atm located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
I deposited 2 checks 1 for {$130.00} and 1 for {$750.00}. I inserted my debit card, entered my pin, followed the instructions on the screen, I stacked the checks as directed and inserted them into the machine. The machine then displayed a photo of the checks and instructed me to verify the amount of the 2 checks. 
The machine then displayed a message saying the transaction could not be processed and it appeared to attempt to return the checks to me. The door of the slot to insert checks opened but the checks did not eject. The machine then produced 2 receipts, 1 stating " Transaction Not Allowed '', 1 other receipt stating, " One or more deposit items were unable to be returned due to a technical problem ''. The screen displayed a message instructing me to take the receipt to the teller to correct the issue. This was a Sunday. I went to the bank the next morning and was instructed by the employees to take the matter up with Capital One as they were unable to help. 

XX/XX/year> : I filed a claim concerning the matter with Capital One. They deposited a temporary credit into my account for the amount of the 2 checks. 

XX/XX/year> : I sent Capital One images of the 2 receipts produced by the atm and information about the bank & atm location. 

XX/XX/year> : Capital One informed me that my claim had been denied. I contacted Capital One and was told the denial was due to " An inability to reach the merchant ''. I asked that the case be reopened as that reason did not make sense since I was able to call the bank, they should be able as well. I was told by the customer service rep that the case would be reopened. 
I sent Capital One a screenshot of their website listing the location of the atm I used, a photo of the atm along with the previously sent images of the atm receipts. 

XX/XX/year> : I sent Capitol One the telephone number of the bank 's branch manager to resolve their inability to reach the merchant. 

XX/XX/year> : Capital One emailed me to inform me that the denial will stand. I called to find out the reason and was told that this time it was due to my using the wrong atm. I informed the rep that I used an atm listed on their website as a Capital One approved atm. I asked that they check their site so they would see the only reason I tried to use that atm is because their site listed the atm. 

XX/XX/year> : Captial One emailed me that their denial still stands. 

XX/XX/year> : I received the documentation from Capital One. The documents are just copies of my account statement for the date of the credits they gave me for the checks. There is no information on how they came to the decision to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : Company : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX. -- - Company XXXX  / Date of inquiry : XX/XX/XXXX -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1682s-2 ( XXXX ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that thr information is in accurate

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 2024-11-02 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: GA

Complaint narrative:
In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1682s-2 ( XXXX ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that thr information is in accurate

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting XXXX inquiries to my credit file only XXXX is actually valid, the other XXXX are not valid or authorized and need to be removed : -XXXX XXXX XXXX XXXXXX/XX/year> -XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> -XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/year> Midland Credit Management Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX Dear Midland Credit Management, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received a payment from a client through Chime. I created an account so that I could access the money and transfer it to my bank account. This worked. However the next payment I could not transfer as Chime says they sent a physical card and this needs to be activated in order to transfer the money. I can not transfer or even refund the money. They refused to help me while on the phone and hung up on me. They are basically stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Sometime last year I was sent a letter from XXXX XXXX, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to XXXX XXXX, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a zero liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside. Wells Fargo has now closed my account without settling this issue. Thats extremely unacceptable. They refuse to help, and continue to push me away seemingly so that I just drop the issue. There was way too much money taken to just forget about it.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could XXXX and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in XXXX  I have been paying the mortgage in XXXX  since XXXX and the bills in XXXX  on top of my rent here and bills here in XXXX. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im military and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Also XXXX late payment was removed last year and now I have XXXX late payments on my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: SC

Complaint narrative:
I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.

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 2024-11-02 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: SC

Complaint narrative:
I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
I closed on my house XX/XX/year> with XXXX XXXX serviced by shellpoint. Planet Home Lending contacted me telling me that they had purchased my loan. The process seemed like a scam because they kept asking for my full social security number. I called XXXX XXXX and they assured me that my loan had not been sold to Planet. On XX/XX/year>, I made a {$2000.00} payment so that my loan would be paid ahead because I wasnt due to start paying until XX/XX/year>. My payment was applied as shown on their customer portal page. It then displayed my loan was sold on XX/XX/year>. I then called XXXXXXXX XXXX and they again assured me my loan had not been sold. Toward the end of XXXX I got a letter from XXXXXXXX XXXX stating my loan had been sold. I call them to verify and they said yes it had been. I set up my customer account for Planet. I say that I was due XX/XX/year>. I called them to tell them I had already made that payment and it should have transferred with my account since it was paid XXXX hours before the posted sell of my account. They stated they didnt know anything about it. That I needed to correct the mistake. I explained to them that I didnt work for their company and they could call XXXXXXXX XXXX to get the error corrected. Today I looked online and seen that my payment was still due so I made another {$2000.00} payment because I dont want my payments to report late and I do not want to default on my mortgage. After I made my payment it popped up a payment history box that shows that a suspense payment of {$2000.00} was posted XX/XX/XXXX but not applied to my account. Now I have double paid the XXXX payment and its not like {$4000.00} total is chump change to just be throwing around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief