vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IA

Complaint narrative:
An improper XXXX charge had been removed from my credit report twice, and hours had been spent on the phone. XXXX years later, Jefferson Capital Systems submitted the same bogus claim to the credit bureau, leaving me no recourse. I thought the matter had been finalized, so I no longer have the documentation I had then. The only documentation I have is the XXXX XXXX below with the date that can be seen online. 

XXXX - XX/XX/year> I usually don't post on XXXX, but I have just run into the most horrendous customer service I have experienced in my life and need to warn anyone who will listen that you need to compare service options and leave XXXX XXXX as soon as you can. 
I had been a XXXX customer for as long as I can remember. Over 20 years. I had an eight-gigabyte plan and started running over my minutes listening to music in my car. I called to find out how much an unlimited account with XXXX lines would cost. I was paying {$120.00} a month for the eight-gig plan and was amazed to find out it would be a little over {$100.00} a month for the unlimited plan. I then found out the unlimited plan had been cheaper for a long time. I still don't know how long. 
I made a quick comparison and found a XXXX unlimited data plan for {$70.00} a month. After several transfers and over an hour on the phone, I finally got my XXXX XXXX disconnected, and they told me I would be getting a check for {$2.00} for the balance of my prepaid month of service. 
I was surprised to find my automatic billing had been charged the next month for the full {$120.00}. I tried to log in online to customer service, but I couldn't log in because I didn't have an account. I called customer service, and since I didn't have an account, I couldn't get through to a customer rep. I call sales, and they sent me to customer service. Customer service agreed with the charge needing to be reversed and sent me to finance. Finance told me that they could reverse the charge but couldn't stop me from being billed again. WHAT??? Hours of my life I am not getting back. 

I dispute the charge on my card, and the credit card company credits my account. This month, the charge shows up again, another hour on hold, another complete runaround, and a waste of time, and I'm so angry that I hang up before I take it out on the poor customer service rep who is trying to do her job for a company that hasn't a clue. 

I call the credit card company, and they agree to send a letter to XXXX requesting to stop the charges and block them from rebilling me. I am saving all my documentation because I have now gotten a late notice and a threat to report me to the credit bureau. 
The moral of the story could be to keep letting XXXX rob you and never leave because they will make your life XXXX for going, or you stand up to the incompetent, corrupt bastards and find a better deal. The choice is yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I made a payment online to my QuickSilver card For {$1000.00}, thw payment went through as {$10000.00}. I then had a credit on my card of XXXX. 
I contacted my XXXX XXXX, and they said to ask the credit card company, Capital One, for a refund, which I did. They told me the refund would arive in XXXX to XXXX  days by mail. 
On XX/XX/XXXX Capital One took {$9400.00} out of my credit card account, saying they had issued a check and I would get it in the mail within 10 days. I have never recieved a check, and have made numerous calls to Capital One. At firtst they said they were tracking the check and it was on its way. Now they say they can not find the check. 
Now they say they need to reseach the check and then they can get back to me in XXXX to XXXX  days and let me know what they can do. 
I have waited over XXXX XXXX so far for my money and they say at least another 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Tues XXXX we initiated a wire transfer from our checking account to our checking account in a different bank. As we are Citigold, we were told this was fastest way as we needed the funds quickly. 
When the funds were not transferred I called customer service and was transferred to security. After 1/2 hour of verification I was assured it would go through The next day it still had not transferred, so I again called customer service and again was on the phone with security for 1/2 hour I was assured I was cleared and transfer would be end of the day On Friday XX/XX/XXXX we went into a branch and found out transfer had been terminated. 
No reason was given! No one had called us to tell us. This was our money, in our account and Citi withheld it. 
We finally got it by teller check, but since so much time had passed it resulted in a financial loss to us As of XX/XX/XXXX it was still showing as a transfer on our statement. 
Again called customer service to have it removed Why was the transfer terminated and why were we not notified I have full documentation of all calls and emails.

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 2024-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: FL

Complaint narrative:
I had a car loan with CarMax, which I paid off back in XXXX. It was overpaid by over {$200.00}, and I also cancelled the Gap Insurance and was supposed to be refunded over {$500.00}. I have called the company numerous times, and they always reassure me that I would be getting my check in the email. Unfortunately, this has not happened even though I have checked and rechecked my mailing address with Carmax.

I want to receive my money back. This is unfair and predatory lending. They used to charge me high interest rates when I had an active loan, and I was ever late the fees assessed to my account were outrageous. They can keep and retain your money but if you owe them, they charge you a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. XXXX action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
ON XX/XX/XXXX I SENT A CEASE AND DESIST TO ONLY MAIL CORRESPONDENSE ABOUT THIS DEBT AND SINCE THEN YOU HAVE CONTINUED TO EMAIL ABOUT THIS DEBT WHICH IS WELL AGAINST THE FDCPA XXXX XXXX ( b ) ( XXXX ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media, at any unusual time, or at a time that the debt collector knows or should know is inconvenient to the consumer. 
I HAVE EVERY EMAIL YOU'VE SENT SINCE I ADVISE TO STOP EMAILING ME, THIS DEBT WAS WRITTEN OFF. YOU HAVE BEEN EMAILING ME SINCE XXXX AND CURRENTLY IN XXXX THIS SHOULD NOT BE ON MY CREDIT FILE. IT NEEDS TO BE REMOVED ALL TOGETHER FROM ALL XXXX CREDIT FILES ( XXXX, XXXX AND XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Hello MOHELA recently changed its name to XXXX  XXXX XXXX and reported my loans again to XXXX so now I owe double the amount that I currently owe. As a result, my credit score went down by XXXX points. 

I tried calling them, but it'd take so long for anyone to even answer. I would like to get this fixed as soon as possible by them.

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
Previous complaint with CFPB XXXX, I submitted a dispute for fraudulent accounts on my credit report through the CFPB contacting Transunion regarding fraudulent accounts, the disputed process transunion used did not removed the fraudulent accounts. I provided a FTC Identity theft report regarding the fraudulent accounts. The FTC is a law enforcement agency under section 4 of the FTC. On XXXX Transunion responded to the disputed fraudulent accounts as verified and Accurate. 
Transunion file # XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX acct # XXXX Balance {$320.00} XXXX XXXX acct # XXXX Balance {$990.00}

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 2024-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Chase Bank regarding the ongoing hold on my funds, totaling approximately {$2600.00}, and the restrictions placed on my account.

I deposited two checks from my employer, and Chase has placed a hold on these funds without providing a valid reason. Despite my efforts to resolve the issue, including offering for my HR department to call Chase for verification, the bank has refused to listen or accept any alternative forms of verification, such as email.

Chase insists on contacting a phone number that only goes to voicemail, and they have refused to leave a message. Additionally, I have requested that the checks be returned to either the maker or myself, but this request has also been denied.

a senior who has worked hard for this money, I find it incredibly frustrating that Chase will not allow me access to my funds. My employer can not issue a stop payment on the checks either, because its been cleared from their end.

I kindly ask for your assistance in resolving this matter. I would appreciate any help you can provide to ensure that I receive the funds I rightfully earned.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this 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 2024-10-17 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
I am submitting this complaint regarding Accounts : 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 XXXXXXXX and their unauthorized reporting practices, which have caused significant financial and personal harm. 

XXXX XXXX actions constitute willful violations of the FCRA, including : 15 U.S.C. 1681b : Reporting corporate credit information without my written consent. 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate and complete information. 15 U.S.C. 1681c : Improper reporting of adverse information without following FCRA guidelines. Engaging in deceptive practice of selectively reporting only negative information after years of not reporting one single positive account history, causing significant harm to my business and personal finances in order to force a legal settlement. Only negative items were reported when years of positives are shown nowhere on my credit report. This was malicious and willful. They continue to report negative after charge offs when accounts closed in XXXX. 

these actions violate XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in addition to FCRA

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 2024-10-17 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-17 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: NY

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-17 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-17 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: TX

Complaint narrative:
I am writing to TRANSUNION to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XXXX XXXX XXXX  The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution

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