vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 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/23 my debit card was compromised. I believe that the card information was obtained through some card reading system. I noticed a few charges on my account that I did not do. When I realized that there were charges that I was not responsible for I immediately filed a police report when I arrived back in XXXX XXXX on XX/XX/23. I reached out to Navy Federal and advised of the charges and also sent a copy of the police report. Today, I received notification from Navy Federal that the claim was denied because of conflicting information. The Fraud Claim Department manager, XXXX did not and would not inform me of the conflicting information which was explained on the police report and also explained to Navy Federal. As a result, Navy Federal took {$510.00} from my account and stated that the claim was closed. They advised that I would be able to appeal after answering a line of questions. Those questions are : 1. Why do you believe your claim should be honored? 2. Was the card in your possession when the fraud occurred, or was i
t lost or stolen?

3. If the card remained in your possession, how do you believe your card information was obtained?

4. If lost or stolen, what date did the card fall out of your possession?

5. If you have ever allowed anyone to use your card, how do you know this person ( s )?

6. If you received any merchandise from the merchant, is this merchandise still in your possession?

7. Did you authorize or participate in the charge ( XXXX ), but there was an error? 

I provided all of the evidence requested by the fraud department, I never received a call back nor a follow up during the claim process. No additional information was requested and unfortunately because of the type of theft, I am unable to verify where my card could have been compromised being that I used my card throughout the course of the day. I am aware that in XXXX, identity theft is prevalent and as I explained to the representative, I believe that a card reader was used to capture my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Kikoff Inc.
State: NJ

Complaint narrative:
KIKOFF LENDING LLC Account type - Charge Account Date opened - XXXX XXXX, 2021 Address XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Above Account created under KIKOFF LENDING LLC without my consent. It does not belong to me and should be deleted and removed from all XXXX credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review. 

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report. 

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations. 

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.

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 2024-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review.

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report.

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations. 

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.

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 2024-02-23 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Syncrony Bank is in violation of Reg Z and XXXX. There has been a monthly charge on my credit card every monthly since XXXX. On the statements the charge is mixed in with the purchases without a description of what it is. I assumed it was a purchase i made and they didn't have the description of what it was. There was no identifying information. Come to find out, these charges were for an Amazon XXXX membership that i did not have. I was on my nieces Amazon account and made purchases only with my Amazon card. I never had an Amazon XXXX account or Amazon XXXX Account. I never signed up for one. They have been charging my card for her monthly fee since XXXX. They are sneaky with this charge too because they burry it in the purchases, and do not locate it in an area of the statement where you would be able to tell that it was a fee. That is a serious XXXX violation. I placed a billing dispute with them on XX/XX/XXXX and have been following up. The last time i talked to them, they said they could not help me and to call Amazon. I told them i did talk to Amazon, and Amazon is telling me to talk to them. Sycrony Bank is in violation of Reg z for not taking my claim and working with the merchant, Amazon to get this resolved.

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 monetary relief
Consumer complaint received 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have several unauthorised enquiries all from Capital One, they were contacted and they are fraudulent enquiries I need to be disputed and removed. 

Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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:
FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review.

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report.

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations.

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
The checking account was opened @ M & T Bank last month, I received all banking material at the address on file. I opened a personal account, and business account which has been over a month to date. I deposited a check from XXXXXXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX in which the check was drawn on M & T Bank and it make sense to open an account with M & T Bank due to XXXXXXXX XXXX XXXX uses M & T Bank to issue checks. 
On XX/XX/year> I deposited {$1100.00} USD ( Cash ) into my personal account with M & T Bank, I was notified my account was on hold after my cash deposit. I have a few activity on this account. The bank is not communicating the reason for the hold, nor with the bank release my funds.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Despite my persistent efforts, a resolution to these issues has remained elusive. Your firm 's response to my letter addressed to the credit bureaus indicates that my request for verification of inaccuracies on my report is being categorized as " frivolous '' or " irrelevant. '' I want to emphasize that I do not consider a matter of such personal significance as frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is disregarded, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Consequently, a thorough reevaluation of the following information is imperative. I respectfully request validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the expeditious removal of these items from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I pulled a copy of my credit report and noticed that the account from XXXXXXXX XXXX XXXX is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all XXXX credit bureaus to have this information corrected with no formal response. 

This information being reported to my consumer report is in violation of 15 USC 1681. 

I have the right to privacy and have not given written consent for this misinformation to be reported. 

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled a copy of my credit report and noticed that the account from XXXX XXXX XXXX is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all 3 credit bureaus to have this information corrected with no formal response.

This information being reported to my consumer report is in violation of 15 USC 1681.

I have the right to privacy and have not given written consent for this misinformation to be reported.

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to file a formal complaint against Venmo 's credit card services, which are backed by Synchrony Bank. As a consumer who regularly utilizes the Venmo Visa card for managing periodic bills and financial transactions, I have encountered a distressing issue that warrants the attention of the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2024, I made a payment of approximately {$1400.00} towards my Venmo Visa card balance, intending to clear the entire outstanding amount. Instead of promptly processing this payment, Synchrony Bank placed a hold on my available credit equivalent to the full payment amount. Consequently, I found myself unable to utilize the credit card for subsequent transactions, despite having cleared the outstanding balance. 

Upon contacting Synchrony Bank through their secure messaging service to seek clarification and request the release of the hold, I received a generic response devoid of any specific explanation regarding the reason for the hold. Despite my follow-up inquiries and the clearance of the payment from my checking account, I was met with the same boilerplate response, coupled with the alarming assertion that there is no defined criteria for placing such holds. This lack of transparency and clarity regarding their policies and actions has left me in a state of financial uncertainty, as I am unable to predict or prevent similar occurrences in the future.

It is deeply concerning that Synchrony Bank, as the issuer of the Venmo credit card, has instituted opaque rules and practices that impede consumers ' access to their own funds without adequate explanation or recourse. As a responsible cardholder who promptly pays off balances and utilizes the service in good faith, I am dismayed by the arbitrary hold placed on my available credit, which has disrupted my financial management and undermined the utility of the Venmo Visa card. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Synchrony Bank to provide transparent and accountable practices regarding the imposition of holds on credit card accounts. Consumers deserve clarity, fairness, and respect in their financial dealings, and it is imperative that regulatory authorities intervene to safeguard their interests and ensure compliance with consumer protection standards. 

I would appreciate your prompt attention to this matter and request updates on the progress of your investigation. Thank you for your consideration and assistance in resolving this issue.

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 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The following 3 hard inquiries on my credit file on all 3 bureaus were not authorized by me. 

1. CAPITAL ONE -- Inquiry : XX/XX/XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX. XXXX, XXXX Please remove all 3 inquiries from my credit file on all 3 bureaus.

Company response to consumer: Closed with explanation