vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: VA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had applied for a checking account with Capital One and was denied based on a XXXX XXXX XXXX, I removed the freeze and waited over 24 hours to reapply on XX/XX/year> as directed, I was denied again. I waited and applied again on XX/XX/year> and received a denial stating there was a freeze on my consumer or credit records. It stated to contact XXXX XXXX. I did and XXXX XXXX confirmed verbally and in writing confirmed there was not a freeze on my XXXX XXXX ( I had also confirmed there was not a freeze on my big 3 credit reports. ) At this point I called Capital One, the representative stated there was nothing I could do but wait even though I had waited several days from the thaw and XXXX XXXX had confirmed there was not a XXXX XXXX XXXX. I asked for a supervisor and spoke with XXXX - employee # XXXX and opened case # XXXX because there is no freeze on my XXXX XXXX and Capital One 's system has not updated to recognize this and I have repeatedly denied an account strictly based on a XXXX XXXX freeze which is not valid. After speaking with Tim I waited until XX/XX/year> and tried again and received the same denial. I am also a current Capital One customer with other open accounts but could not receive any assistance to resolve this matter. I am concerned not only for myself but for other consumers that have used a security freeze that when they lift the freeze and apply for an account that they also will be denied due to a system malfunction at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed a charge of {$660.00} on my bank statement from the XXXX XXXX in XXXX XXXX, XXXX. Since I did not stay at this XXXX I contacted the XXXX staff to inform them of the unauthorized charge and requested a refund. Despite my efforts, no further actions were taken by the XXXX. 

I then contacted my bank, Navy Federal, to dispute the charge. Navy Federal initially provided a temporary credit for the disputed amount but later reversed this credit, stating that no error was found. When I requested an explanation of the investigation and the measures taken, no documents or detailed information were provided by Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX XXXX 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 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2024 A person impersonating a XXXX XXXX sheriff called me. The phone number matched the police department phone number online. He provided by email the citation that was issued to me for missing jury duty. He demanded XXXX dollars for the citation that I would get back after my court date or be arrested. Money was sent. I called me bank within an hour to get the transaction reversed. They said it could not be reversed so a claim was made. I reported the scam to the police department and received a case number. Police said nothing they could do and the bank denied the claim. I have made a complaint with the fbi

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
Transunion has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

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 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 2024-06-18 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX DATE : XX/XX/XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, XXXX any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an any items of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvesIgaIon ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 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  The personal information is XXXX - XXXX remove this from my credit report immediately! 
Phone Numbers : XXXX, XXXX, XXXX, please remove this from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries 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  This inquiry was not authorized, please remove it from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX DATE : XX/XX/XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, XXXX any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an any items of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvesIgaIon ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 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  The personal information is incorrect - please remove this from my credit report immediately! 
Phone Numbers : XXXX, XXXX, XXXX, please remove this from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately Inquiries 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  This inquiry was not authorized, please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My letter is dated XX/XX/year> According to Theft pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

I will have no choice but to seek legal action if my letters falls on deaf ears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: OH

Complaint narrative:
William Rush associate called me and threatened me about taking me to court about XXXX XXXX  on my credit report which I don't owe them or XXXX anything. They called me from XXXX XXXX number and my mom just called me saying they called her and was very rude asking rude questions about me and not representing themselves properly

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On the XXXX of XXXX I initiated XXXX deposits into my account for {$3000.00} and {$1000.00}, the first from a debit card and the second from a checking account. XXXX later my account was placed under review and all actions, withdrawals most notably, were XXXX without any explanation. It's worth noting possibly that I have used this account extensively for months and have used their debit card deposit feature, which normally had a limit of {$1000.00}, and XXXX days prior to XX/XX/XXXX I noticed that my personal limit was increased to {$3000.00} for debit card deposits and so this was the first time I'd made a {$3000.00} deposit. 

The restriction was hard to understand on what exactly they wanted, they requested XXXX for the bank statements for XXXX different debit cards but they only allowed me to submit XXXX XXXX  ( I would later realize that I had to hit submit, and then it would put a checkmark on XXXX of the debit cards to show i submitted a XXXX, then id have to go and submit another XXXX ) but it was about XXXX days later on XX/XX/XXXX that I figured out how to submit the first round of XXXX which was a friday. Understandably, I didnt get a response until teusday of the next week but the response was " we'll call you '' and so they continued to try and call me even though I told their support to email me because it's easier to communicate. throughout the week of the XXXX I had to get on the phone XXXX times for them to ask me simple one-sentence questions, and every time I answered the question my account still was in review and it said " we'll resolve your review by XXXX '' and then whenever blank date came up I would check the app and it would change to say the next day. this went on like i said for the entire week. 

It's now XX/XX/XXXX, XXXX weeks later, and I've still not communicated directly to the team handling my case, every time i call i am only allowed to talk to the absolute lowest level support rep and they wont transfer me, and support reps ask me again short questions and tell me that its impossible for me to talk to the team who's handling my case " because they dont have an email or phone number '' ( exact words that i've been told ). my {$4000.00} is unable to be withdrawn or moved, even back to my own accounts, and I also have {$20000.00} in a retirement account on this company and they wont allow me to access that either and they wont tell my why or how i can help work through this, they just keep asking me XXXX or XXXX new questions and then they tell me to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MS

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told I need to validate my credit card in order to get another one, and my XXXX credit card sent to me in XXXX, where I am traveling. I did as requested, sent the front and back of the license and with me hold the card with my face. They will not validate the card and I stuck with no money, no card and am in a terrible situation. 

Their system supposedly can't read the back of my card, which is not my problem. I have scanned it, and also sent them a copy taken via my cell phone camera. I have attached what I sent them. I have done this 5 times now, their system is the problem. I have complied with their requests over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Early this year in notice that my credit card date was expiring so I contacted the credit card company for a new card. I was told that they need to do some investagation of my personnel finacnes that could possible effect my credit score. This company has refused to provide any credit increase for decades. This card is dead weight no other credit card company conducts business like this. I asked for the updated credit card ( 3 ) times and this company can mail a the updated card. I've use there credit properly I was told that it would hurt my credit by closing down the this account. Just resently this company rasied the limit of XXXX XXXX XXXX even that is normal. Please warn consumers thats this company act very aggressively even if you us the credit the right way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
We have a signed agreement for biweekly payments. The additional payment each year is to be applied directly to principal. They have not done this properly. We have inquired about it several times now. Nothing has been resolved. There have been no follow up phone calls or emails.

Company response to consumer: Closed with explanation