vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a credit card with Capital One. Initially, there no issues. In the last 6 months it has been a nightmare - much like XXXX XXXX. They refuse to allow me access to my online account. They also have refused to send me paper statements or send me any alerts whatsoever on my account. Since I have to make a " blind '' payment ( almost every month ) to avoid my credit being ruined, I have no idea if there are any late fees, etc. associated with the past due minimum. I don't know what I am paying. 

I am never allowed to see the online account -- they state it takes days to process the past due payment before the online account opens back up for me. Also, they refuse to send me any text or email alerts. I NEVER hear from Capital One. When I call them to resolve, it's the same game each and every time for about an hour on the phone. They're combative refusing to answer any basic questions. If I could afford to pay the card off and close it I would. I can't and Capital One knows it. This conduct seems systemic amongst these creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX Credit Bureau is repeatedly reporting late payments and charge offs from Capitol One. I have disputed this account multiple times with XXXX and they will not correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus XXXX XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denali Capital Holdings, LLC
State: IL

Complaint narrative:
Denali Capital , LLC is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, Denali has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on Denali Capital , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My original loan amount was for {$19000.00} at a rate of 4.050 %. At this rate, I should be paying a monthly interest charge of {$65.00} at a decreasing rate. I started payments on XXXX XXXX. So far I have paid {$400.00} in interest charges since XX/XX/XXXX. That amounts to {$81.00} per month. Or {$16.00} extra interest each month. On top of this, I still owe an unpaid interest of {$6.00} with no explanation. Since XX/XX/XXXX I have paid a total of {$1200.00} in payments with {$870.00} going to the principal. Despite this I {$18000.00} instead of {$18000.00}. This extra {$6.00} in interest has no explanation from Aidvantage. In addition to charging me more interest, I was informed by an Aidvantage employee that I could not pay down my principal. When Asked why I was paying interest higher than allowed by my interest rate I was told I was paying off unpaid interest. Even though I have been paying more in interest every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I was arrested and my car was taken. They wouldnt tell me where and my items were gone. Got out to them saying they sold my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
Dispute ID # XXXX CHIME VIOLATION OF REGULATION E REGARDING 10 DAY DISPUTE INVESTIGATION I am reaching out regarding chime investigation team process regarding a dispute where I was wrongfully charged on my chime card when I paid another way. It is passed the 10 day mark as of today, as I was informed by a rep that if they cant resolve the matter within 10 days I will be issued a refund this is also backed by banking law. I supplied the required documentation of the receipt that was emailed to me directly from XXXX because I no longer had the paper receipt unfortunately. 

I contacted chime customer support regarding a charge of {$500.00} at my local XXXX. I expressed to the customer support team that I did visit this XXXX location & I did pay {$500.00} but in CASH. I expressed to them that I shouldve never been charged on my card when I paid that amount in cash, to where they asked me to submit supporting documentation ( my receipt ) for proof to help get my money refunded. I submitted a copy of receipt that I received from XXXX corporate because I contacted them as well and theyre well aware of what has transpired, the receipt shows clear as day my way of paying for the transaction was in CASH. I have contacted chime support asking what is the hold up I showed proof that I paid in cash, and basically I havent received any answers as to the lack of urgency chime investigation team has shown to my concerns. 

I will also attach proof of receipt within this email. Hopefully to be refunded the amount of money I was wrongfully charged on my card. Please and thank you. 

I am wanting to get this matter resolved rather than taking legal alternatives but if legal alternatives is the only option for my concerns to be resolved, I will take that route. This is my umpteenth time attempting to contact CHIME with no response or explanation which is very derogatory. Which is why I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My original complaint based on your prompts does not apply. Complaint # XXXX The bank charged me for a low amount in account. My issue is I never " changed '' my account to the type of account that would incur a charge. 
And they tell me it has always had this fee since XX/XX/1982! I've requested all statements since 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with 15 USC 1681e ( b ) they are required to insure that the information they are reporting is CORRECT. Not only did they NOT insure this, but they have, even after being advised by my dispute to them and my complaint with cfpb XXXX, in which they again FAULSLY stated that their information was correct, that was a LIE. I will attach here documentation that is PROOF of their FRAUD. Their credit report shows my addresses in XXXXXXXX XXXX XXXX. I have ONLY lived in this city ALL my life. The debt was incurred in XXXX. A state which I have NEVER visited. Had they ACTUALLY bothered to actually checked for accuracy. That would have been evident to them. However, they chose to simply LIE and the CFPB chose to simply believe them WOUTHOUT demanding evidence, or demanding they provide me proof of their claim.

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 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My funds were deposited into a virtual currency stock, yet I found myself unable to execute trades due to a potential software glitch on Robinhood. Consequently, my funds were locked in, preventing me from selling. Despite my repeated attempts to reach out to Robinhood via the in-app chat and email, I received no response. After approximately 40 minutes of frustration, I was finally able to trade the funds, albeit incurring a net loss due to the delayed action. Had I been able to trade instantly, as expected, I would not have experienced this loss.

Therefore, I am lodging a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Robinhood. Should the company fail to provide a satisfactory resolution, I intend to pursue legal action. 

Below is a detailed timeline of the incident : XX/XX/year>, XXXX XXXX : Placed a buy order for {$20000.00} worth of stock. 
Between XXXX XXXX and XXXX XXXX : Made numerous email requests and in-app chat requests to Robinhood for assistance. The order remained in a pending status, and I was unable to execute trades despite having purchased the stock. I possess video and photo evidence supporting this claim. 
XX/XX/year>, XXXX XXXX : Finally managed to execute a trade, resulting in a significant loss of {$700.00}. 

As a consumer of the Robinhood app, I am entitled to immediate access to the funds in my portfolio, as per Robinhood 's terms of service. Denying me this right not only constitutes a breach of contract but also resulted in heightened stress and had a detrimental impact on my mental well-being during the 40-minute period of restriction. This is an unjust and direct violation of my rights as a user.

I demand prompt action from Robinhood to address the {$700.00} loss incurred as a result of this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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