vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Iam a natural person, iam a living human being, I have rights under 15 USC.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Kept trying to pay loan on XXXX  XXXX XXXX XXXX. Was paying over the amounts needed on the car loan when payments were being made on the loan. They was telling me the payments were late and I still owed a lot of interest on the car even though payments were being made over the amount needed for the loan. Also got deferments on the loan and they still was trying to reprocess the vehicle and was told I had to pay full price for the vehicle through Wells Fargo. Was getting calls multiple times throughout the days and weeks. Supposed to been got the vehicle For the sticker price and they still was adding interest and late fees to the loan.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I told the credit bureaus to investigate every piece of information on the account I listed also They responded back as verified belonging to me, Not taking ID theft seriousrly According to the FRCA the term investigate consumer report means " a consumer report or portion thereof in which information on the consumer 's character general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of their consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law and by the law " also every piece of information on this account are still reporting 100 % accurate and according to FRCA rule 15 UCS 1681 everything has to be 100 % accurate. Which is not that case here. 
Kindly see attached reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a cash management account with XXXX XXXX. UMB Bank NA administers the account for XXXX. The routing number for the account is that of UMB Bank, but XXXX is the front for the account. XXXX is placing holds on my EFT deposits without providing fund availability notices. Most recently, they placed a 5 business day hold on an {$8000.00} EFT deposited on XX/XX/23. Had I not looked at the account and noticed the hold on XX/XX/23, most likely I would have had as string of payments being returned for insufficient funds. Note that I am a longstanding Fidelity client, and I have had numerous EFT transfers in the past. There is really no business reason for a 5 day business hold to begin with especially for an EFT, but at a minimum either UMB Bank or XXXX needs to disclose the hold. I believe that they are in violation of Federal law for failing to disclose these holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello I have an account with navy federal credit union my card was stolen recently and it was several charges made which I didn't notice because I had just placed the funds in my checking account for my monthly bills to be paid but after receiving a call from one of my bills that the funds were not available for the bill I quickly checked my account then looked for my card then called navy federal credit union they took my dispute I told them I believe someone took my card after leaving XXXX the same day I went to the bank I was advised to go to a branch and get a new card I'm physically XXXX so I didn't have a way there right away but when I got there a week later i drove almost two hours away from my home an they informed me that my debit card privileges was suspended for a year which is totally unfair to me im physically XXXX I most times use my card to deposit money for bills it's like being victimized all over again this time by my bank a year is very harsh they're making it seem like I did something wrong and I absolutely did not i reached out for an appeal i have screenshot they responded within two days saying their decision was final it was the fastest appeal i have ever saw please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3  years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are unauthorize credit inquiries reporting on my credit report. I have notified Equifax to delete all unauthorized credit inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: UT

Complaint narrative:
Upgrade.com- Upgrade inc. on behalf of XXXX XXXX XXXX has 2 loans open under my name and they sent me a notice in the application ( app ) stating that there was an adverse action notice in my Personal Line of Credit account. * '' Unable to verify identification of requestor* I contacted the company and they kept telling me they needed information. I submitted the information and no response. I then get a notice my accounts were frozen and i kept calling to verify that they received my information. To this day there has been no confirmation of receipt and the accounts have been closed. I asked for a paper response so that I can provide this information to the CFPB. Was told they are a finserve company and they only work with email. I expressed that there is an issue with their email because i have not received confirmation that they received my paperwork as requested. I was told by a few representatives that I must be doing something wrong. There is no PORTAL where I can upload the documentation, and there is no formal notification by mail to advise that the account is under threat of being closed sue to that " verification of requester '' request that they do initiate through the website portal.

Every time i call to get more information i get referred to emails that I have not directly received. I get updates once i call in and ask to speak to someone regarding my account. At this point I have 2 accounts that are now closed, can not utilize the line of credit and the balances are due, so i can not use the product that i was told i could utilize all because of what I believe is a faulty process and I am being penalized because their system is inadequate at receiving documentation other than in EMAIL, no portal access and no physical method to submit requested paperwork. 

XXXX XXXX XXXX. 
Accounts # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid 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: IL

Complaint narrative:
Capital One Quicksilver Card I opened up a card as I wanted to take advantage of the balance transfer offer they gave me. I called in XXXX and gave them my information to pay off another credit card I have. After a few weeks, I noticed my old credit card was never paid off. 
I called Capital One to inquire, and upon talking, discovered they sent the check for the balance transfer to the wrong address. They advised me they would stop payment on the check and reverse everything, including fees assessed for the transfer. It is now XX/XX/XXXX, and I still have this balance on the CapitalOne card and my other card as well. I call every week or so and inquire and am always told it takes 1 to 2 billing cycles. Today I called, once again, as it is again the end of the billing cycle, and told no it will be reversed next billing cycle. I ask to speak to someone higher and the customer service rep sends me to their supervisor, who gives me the same explanation and says nobody is above them. So now I have a balance transfer on my card Capital One card for the past XXXX going on XXXX months that never even made it to the card I was paying off. Meanwhile I have payments due on money I never even received. Meanwhile I am forced to make payments on money I never even received! Capital One sent the payoff check to the wrong address and it never made it to the card I was trying to pay off with the Capital One card. So Now I have a balance of {$960000.00} on the Capital One and on the card I wanted them to pay off.! This is unacceptable that I have almost a {$10000.00} balance on the Capital One card that I never even received the money as well as {$10000.00} on the card I was trying to pay off. It is messing with my credit, my credit score as well as my mental health as I am stressed that I have this much outstanding credit on my credit report and am unable to get credit now as a result! This whole process started mid XX/XX/2022. There is absolutely NO reason this should take this long to clear up my account. If I dont get some satisfaction, I will be contacting a lawyer and also the XXXX XXXX XXXX . Im tired of being told different dates every single time I call in.. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed hard inquires on my Equifax credit report that were inaccurate. I called Equifax on the XXXX and spoke to an agent named XXXX ( agent number XXXX ) and explained to her that these inquires were inaccurate because I never authorized them. She said told me that there was nothing she could do about it. I sent a letter to Equifax and have yet to get the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: LA

Complaint narrative:
Attempted to collect on a debt over an auto accident that did not occur. Threatening suspension of driver 's license over non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have identified certain transactions on my consumer report to be a result of identity theft.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have identified certain transactions on my consumer report to be a result of identity theft.

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