vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2024, I logged into to my XXXX 's Capital One account, which I am enrolled in their automatic payment plan. 
I paid a past due balance ( {$790.00} ) and the current monthy due payment ( {$790.00} ) with a payment of {$1000.00} This payment was ackknowledge by my bank, XXXX XXXX XXXX XXXX ( XXXX ) as follows : ELECTRONIC WITHDRAWAL CAPITAL ONE ONLINE XXXX - {$1000.00} Post Date : XX/XX/2024 Type : ELECTRONIC WITHDRAWAL The next day I logged to my XXXX 's Capital One account again to check the balances. It showed CapitalOne receiving the payment as follows : XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX ... XXXX Payment XXXX XXXX... XXXX - {$1000.00} Posted : Sat, XX/XX/2024 Source : XXXX XXXX XXXX XXXX ... XXXX Method : Online Confirmation Code : XXXX On XX/XX/2024 I logged in to my XXXX account and found that XXXX had withdrawn another payment : ELECTRONIC WITHDRAWAL CAPITAL ONE CRCARDPMT XXXX - {$790.00} {$0.00} Post Date : XX/XX/2024 Type : ELECTRONIC WITHDRAWAL I then logged on to CapitalOne and found their ackknowledgement of received payment. 

XX/XX/XXXX AutoPay from XXXX XXXX XXXX XXXX ... XXXX Payment XXXX XXXX... XXXX - {$790.00} Posted : Mon, XX/XX/2024 Source : XXXX XXXX XXXX XXXX ... XXXX Method : AutoPay Confirmation Code : XXXX This basically wiped out my XXXX account. When I called CapitalOne to explain this and return the money. I got the run around. Basically saying I would have to wait 5 days before asking for the payment back. I immediately asked to a She also said I'd have to wait 5 days to make the request so that they can verify the payment.

I told them both my bank and CapitalOne acknowledge receipt of the payment. The supervisor then made a conference call to XXXX, with me on the line, in order to verify the payment was made. 
XXXX acknowleged the payent. 
I don't understand why the supervisor did this, since they already confirmed they had the money on my payment history. 
She then said she would put in the request to return payment now, instead of waiting 5 days. buHowever she said it would take XXXX weeks to process the return. 

I said this is paramount to double billing me. Not very legitimate. 
They get to keep the money to make interest on it while I suffer the consequences. I asked her how am I supposed to pay my bills without the money in my account. 
I'm retired, self employed and on Social Security. SS only pays out once a month. My XXXX XXXX  barely averages to about {$150.00}, and is not on any kind schedule. I get paid only when I complete jobs. 
I then asked, who is going to be responible for any late fees or penalties I incurr because of this. No response other than to say this is our process. 

I have attached transactions acknowledgements from my bank and credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX a overdraft deposit account was supposedly overdrawn for XXXX they then filed a 1099-c form which I received on XX/XX/XXXX Which intern I contacted Wells Fargo gave them account number in which that loan # ( XXXX ) did not exist and nothing under my name XXXX XXXX XXXX social security ending # XXXX. The customer representative wait 10 days for a answer and gave a reference # 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 2024-02-16 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-02-16 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: IL

Complaint narrative:
i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file EQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have unauthorized inquiries from Chrysler

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: U.S. BANCORP
State: CA

Complaint narrative:
I have unauthorized credit inquiries on my reports

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 2024-02-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have unauthorized credit inquiries on my reports

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 2024-02-16 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries 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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has not been giving me a correct information on SS. Dl. On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data XXXX XXXX older. There's no activity on them synchrony bank denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least XXXX stop it. Because I had fraud alert. Because synchrony bank said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with XXXX XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by XXXX that they received my dl was on XXXX XXXX That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX. I only have one phone. 
XXXX said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. XXXX was careless. Did not call me. 
XXXX. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. XXXX has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has not been giving me a correct information on SS. Dl. On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data XXXX XXXX older. There's no activity on them synchrony bank denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least XXXX stop it. Because I had fraud alert. Because synchrony bank said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with XXXX XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by XXXX that they received my dl was on XXXX XXXX. That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX I only have one phone. 
XXXX said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. XXXX was careless. Did not call me. 
XXXX. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. XXXX has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
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 2024-02-16 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: CA

Complaint narrative:
On XX/XX/2023, I mailed letters to Experian, XXXX, and XXXX via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.

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 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I submitted a PSLF Reconsideration request on XX/XX/XXXX with case number # XXXX. It has been 8 months since any updates of this reconsideration and Mohela is telling me they have not received updates either. I have also been directed multiple times by Mohela to contact XXXX. When I connect with XXXX they tell me they can not see the status of the reconsideration request and can provide no information to me about it. They are telling me that Department of Education handles the reconsideration requests and that written decisions will be sent to me regarding the following payments : I am not receiving credit for payments made on my loans from XX/XX/XXXX - XX/XX/XXXX. My loans were originally placed on an In School Deferment for this time period, but I submitted a School Deferment Waiver form to XXXX XXXX to have this deferment removed from my account. XXXX XXXX approved this request and I have attached these documents to my complaint. During this deferment period I made several payments on my loans and have attached a copy of my payment history from my servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: DE

Complaint narrative:
Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
all my student loans were transferred from aidvantage to XXXX in XXXX aidvantage is still reporting a balance of {$34000.00}. all my credit reports show now that i have a balance of XXXX when in reality my current balance is of {$33000.00}. this is affecting my credit score tremendously. please correct my balance info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX  - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account Number:XXXX XXXX XXXXXXXX - Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX XXXX Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX  This is not mine. 

XXXX / XXXX - Account Number:XXXX  Please Update all payments, all pay was made on time

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of XXXX data breech, and XXXXXXXX XXXX XXXX data breech. 

XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX 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 2024-02-16 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have unauthorized credit inquiries on my report from 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as accurate. 
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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as accurate. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with non-monetary relief