vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: WI

Complaint narrative:
Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. XXXX no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: WI

Complaint narrative:
Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXXXXXX XXXX. Paid XXXX XXXX XXXX value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. Transportation no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off XXXX XXXX. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..

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 2024-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX, Capital One repossessed my vehicle. On that same day, I noticed an email addressed to me from Capital One indicating my vehicle was scheduled for repossession. The email went to my spam. I immediately called Capital one and they informed me that my vehicle was scheduled for repossession and that I could stop same with an owed {$480.00} payment. I explained to them that I thought that bill was paid and that contrary to the representations of Capital One, my phone number should not have been placed on a " no good '' list. This interfered with the payment notice getting to me before Capital One initiated repossession proceedings. They assured me that the repo would be recalled as long as I made payment before the close of business. I was at the XXXX XXXX conducting business with my business partner who offered to pay the bill. Within an hour of the phone, before I returned home, and long before the close of business, my vehicle was repossessed by Capital One. The bill ballooned from {$480.00} to thousands of dollars at that point as Capital One wanted reimbursement for repo fees. After additional calls to Capital One, the bill went down between {$2100.00} and {$2600.00}. Capital One was unable and unwilling to reduce the fees to the initial {$480.00}, and on XX/XX/XXXX, Capital One informed me that my vehicle had been sold for an undisclosed amount. This is violative of the spirit and letter of the Truth and Lending laws. My phone number did not belong on a " no good '' list, this caused me to lose substantial notification time and the vehicle. Next, the repo should have been stopped upon our phone agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: DE

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'VE RECENTLY RECEIVED MY CREDIT REPORT AND NOTICED SOME INACCURACIES TO MY CREDIT REPORT. I'VE ASKED THIS COMPANY TO PROVIDE DOCUMENTATION TO WHY THEY ARE REPORTING INACCURATE INFORMATION TO 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 2024-07-27 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: TX

Complaint narrative:
I got my tax return intercepted by this loan company or federal loan. I was not aware of their attempt to collect a debt from me. I was unaware of this debt and didn't have the prior oppurtunity to dispute its validity. 
Furthermore, I did not receive any proper notification regarding this debt. If you believe proper notification was attempted, I request that you send me a copy of the certified letter containing my name and signature as proof of receipt. Also the original loan note/contract signed. Not sure what year they are saying I was loaned money or from what school. Additionally, I am concerned about the legality of your actions. The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection from furnishing negative information to credit reporting agencies without providing all required disclosures by law. Specifically, you may be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I am aware the money was taken and paid a debt that is on my report. I need the information from this debt and its validity. Also, it is showing Collection for XXXX and XX/XX/year>. How is this even possible when it should show or report 30 day, then 60 day late, then 90 day then 120 days late. How is this even legal in reporting??? I have tried and tried to contact them directly, and through XXXX and other credit reporting agencies. So I am assuming I need to go to CFPB to get this done. Or next step I will have to look into. This has been harming my credit report for years. Where I can not get a loan, it is doing major damage. It is the ONLY negative item on my report. Becauase I was not aware of this. And how this looked at my employer from garnishing wages as well.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got my tax return intercepted by this loan company or federal loan. I was not aware of their attempt to collect a debt from me. I was unaware of this debt and didn't have the prior oppurtunity to dispute its validity. 
Furthermore, I did not receive any proper notification regarding this debt. If you believe proper notification was attempted, I request that you send me a copy of the certified letter containing my name and signature as proof of receipt. Also the original loan note/contract signed. Not sure what year they are saying I was loaned money or from what school. Additionally, I am concerned about the legality of your actions. The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection from furnishing negative information to credit reporting agencies without providing all required disclosures by law. Specifically, you may be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I am aware the money was taken and paid a debt that is on my report. I need the information from this debt and its validity. Also, it is showing Collection for XXXX and XX/XX/2020. How is this even possible when it should show or report 30 day, then 60 day late, then 90 day then 120 days late. How is this even legal in reporting??? I have tried and tried to contact them directly, and through Experian and other credit reporting agencies. So I am assuming I need to go to CFPB to get this done. Or next step I will have to look into. This has been harming my credit report for years. Where I can not get a loan, it is doing major damage. It is the ONLY negative item on my report. Becauase I was not aware of this. And how this looked at my employer from garnishing wages as well.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally complain about unauthorized actions taken by Experian regarding my credit profile. Specifically, I am requesting the immediate reinsertion of accounts that were improperly removed and the cessation of any unauthorized disputes. 

The following accounts were removed from my credit profile without my authorization, and they need to be reinstated immediately : XXXX. **XXXX XXXXXXXX XXXX XXXX Report XXXX : XXXX - Date Generated : XX/XX/XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Original Balance : {$69000.00} - Status : Paid in full and closed as agreed XXXX. XXXX XXXXXXXX XXXX XXXX* - Report Number : XXXX - Date Generated : XX/XX/XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Original Balance : {$50000.00} - Status : Paid off and closed Additionally, there is an unauthorized dispute on my XXXX XXXX XXXXXXXX account that must be stopped immediately : XXXX. XXXX XXXX XXXX XXXX Report Number : XXXX - Date Generated : XX/XX/XXXX - Account Number : XXXX These are my legitimate accounts, and they should never have been disputed or removed. Experian 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm and inconvenience. 

I request the CFPB to investigate this matter and ensure that Experian rectifies these unauthorized actions immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
Hello, I have been trying to get all 3 credit bureau to update information on my credit profile regarding possible financial account however transunion hasn't updated the information even after sending multiple request to transunion to update or remove information. I add attachments from settlement and last 3 bureau 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 2024-07-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX I had filed initial complaints with : Consumer FInancial Protection Bureau ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID XXXX XXXX Credit Cards XXXX and XXXX I am REFILING BOTH COMPLAINTS as Barclays is comporting itself with continued reckless negligence engaging in continued harassment by unjustified BLOCKING and DISABLING of access to and use of said accounts failing to make good on contractually agreed upon benefits when I opened the accounts. They blocked the accounts AGAIN. They were unblocked for about XXXX weeks ONLY in which time I had made $ XXXX in purchases on both accounts ( $ XXXX total ) AND I IMMEDIATELY PAID ALL OFF ALL $ XXXX debt 100 % and BANK RECEIVED PAYMENT. Then I made a purchase for a measly {$18.00} to buy a by a bus ticket while traveling AND THEY BLOCKED THE ACCOUNTS AGAIN causing me to be stranded with a small nephew at airport in XXXX. I called CUSTOMER SECURITY and they can ONLY UNBLOCK the account ( suspicious as a result of {$18.00} charge! ) ONLY when I can be reached at the HOME phone that I left at home in California. This is ABUSE BEYOND IMAGINABLE of a SOLID TRUSTWORTY AND HIGH CREDIT WORTH CUSTOMER with XXXX BALANCE. Them having set a password on my account does not help at all. INSANE ABUSIVE/INCOMPETENT CUSTOMER SECURITY. MY accounts are BLOCKED yet They had charged me {$75.00} fees and I am unable to use the account 99 % of time since account opening! The bank itself is ONE BIG FRAUD and ABUSE. Customer Security at this bank is one UNIMAGINABLE ABUSIVE FRAUD towards reliable high credit worth customers. NEVER EVER RELY ON THIS BANK OR THEIR CARDS WHEN TRAVELLING. They left me stranded with nephews at airport again. HORRIBLE ABUSIVE BANK. They see I had made purchases for $ XXXX XXXX each card and I PAID ALL OFF immediately last week yet they BLOCKed my accounts over subsequent charge of {$18.00}!! AND ONLY WAY TO UNLOCK IS THEY DEMAND I PICK UP MY LAND LINE PHONE AT HOME that I have no access to while TRAVELLING.

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 2024-07-27 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Date : XX/XX/XXXX Amount : {$30000.00} Action : A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dates: XXXX XXXX XXXX XXXX XXXX
Amount: XXXX
Action Taken: I sent several dispute letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: CA

Complaint narrative:
Private card preloaded card then went to activate. It and said it could not be activated, but yet the money is on the card. You would think it would be pre. Occupied when you preload it, it's a XXXX XXXX. What is the issue? I gave them all my information. And they're trying to say I'm giving them false information, but it's not. And now. 
They're saying I can't use my money. So what am I to depending on? 
This money and it's an emergency. My grandmother is a diabetic and needs her medication or else she can die. If something happens to her in the meantime. What is she? What are we to do? It's gon na be on your fault. 
I don't know why they just can't let me use my money and then close the car or let me use what's in it.It makes no sense to me it's prepaid

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally demand the immediate reinstatement of several accounts that have been fraudulently deleted from my credit profile, Since XXXX, I have repeatedly contacted Equifax to notify you of the fraudulent conduct being exercised by your staff members who have accessed my profile without my consent or knowledge. These unauthorized actions have led to the deletion of legitimate accounts and the initiation of fraudulent disputes. These actions are not only unethical but also illegal under the Fair Credit Reporting Act ( FCRA ) and California state law. 

Despite my numerous attempts to resolve these issues, Equifax representatives have consistently refused and denied assistance. As a XXXX individual, Equifax is fully aware of my XXXX, yet continues to exploit it by requesting tasks that are impossible for me to perform or by providing misleading or no information about my credit profile. 

Specifically, the following fraudulent actions have occurred : XXXX. Unauthorized deletion of my XXXX XXXX XXXX account ending in XXXX XXXX. 
XXXX. Unauthorized disputes on my XXXX account XXXX in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX. 
XXXX. Unauthorized deletion of my XXXX XXXX mortgage account ending in XXXX XXXX. 

These accounts need to be added back to my credit profile immediately, and all fraudulent disputes must cease. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Furthermore, 15 U.S.C. 1681b ( f ) prohibits obtaining a consumer report under false pretenses or for an impermissible purpose. Equifax 's actions are also in violation of California Civil Code 1785.16, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have provided Equifax with multiple police reports and FTC identity theft reports, all detailing specific accounts and the fraudulent actions taken. However, Equifax has ignored these documents and continues to perpetuate harmful and unauthorized activities on my account. This ongoing behavior needs to stop immediately. 

I am seeking compensation for the repeated violations that have led to significant financial losses, wasted time, and immense frustration. The most recent fraudulent behavior involves unauthorized alterations to my account, further exacerbating the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute with Chime regarding a pending transaction that fell off, yet the money was not put back into my account. I reported the transaction and they filed a complaint against the merchant, despite me telling them that my dispute was against Chime. Instead of researching their own mistake when I asked them to provide me a bank statement with a standing balance after each transaction, they did not and could not provide it. They have yet to try and fix it ... every time I speak to someone they keep repeating themselves saying that only one transaction went through, but took money from my available balance ( XXXX charges, XXXX from XXXX XXXX, XXXX from XXXX XXXX XXXXXXXX XXXX '', Each charge for {XXXX ) on XX/XX/XXXX. This issue ended up causing a problem with my XXXX account because they call it a chargeback.I will be filing a subsequent complaint on XXXX for their handling of the matter. I have called them several times to try an address list and get nowhere. This is not the first time they've done it, but before they fixed it. I call chim immediately when I saw both transactions and the member services representative told me she saw both of them and that the one would fall off and the balance would go back.

Company response to consumer: Closed with explanation