vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
I am writing to formally dispute and request the removal of account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The accounts in question, reported by TRANSUNION, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

TRANSUNION has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, TRANSUNION has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts associated to these accounts. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.

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 2024-02-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name XXXX XXXX  XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX XXXX XXXX to get credit or a loan through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
To whom it may concern, I hope this email finds you well. My name is XXXX XXXX, and I recently had an unfortunate experience while attempting to apply for a construction loan with National Bank of Arizona. 

Upon visiting your website, I was pleased to find information indicating that construction loans were available. Eager to proceed, I promptly filled out the application, providing all necessary paperwork and personal information. 

To my disappointment, within two days, I received a call from a Mortgage representative who, regrettably, demonstrated a lack of professionalism and rudeness. I was informed that the bank does not provide construction loans for investment purposes, contrary to the information on your website and the details provided during the application process. 

Despite our attempts to explain the inconsistency between the website information and the representative 's statements, the call was abruptly ended. This experience has left me frustrated and confused, as the miscommunication has impacted my plans.

I understand that policies may vary, but I believe it is crucial for the website information to accurately reflect the bank 's offerings to avoid any misunderstandings or inconveniences for potential customers. 

I kindly request a thorough review of your website information and clarification on the availability and terms of construction loans, specifically for investment purposes. Additionally, I hope to receive guidance on how such discrepancies will be addressed to ensure a smoother experience for future applicants. 

Thank you for your prompt attention to this matter. I trust that National Bank of Arizona is committed to maintaining transparent and reliable communication with its customers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: OK

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 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 HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete 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 2024-02-14 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: OK

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 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  funding HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: PA

Complaint narrative:
An individual with a fraudulent XXXX  drivers license in my name took out a loan for {$3500.00} in XX/XX/year> from Heights Finance. At the time I had a XXXX  drivers license and was living in XXXX XXXX for a while. XXXX alerted me to the fraud in XXXX and when I reached out to Heights FinanceXXXX they gave me a list of documents to fill in and get notarized which I did. However, every time I called them asking where to send these documents, they could not give me an answer, would not put me through to a manager and never called back. I called every month. They have now handed this over to a debt collecting agency. I have the proof Ito show it was not me- I was out of the country, had a XXXX  drivers license and even the email they had on file was not mine. 

Also, which company gives out a loan with a drivers license only? I am also reluctant to now send them my info- which includes social security number, drivers license and passport- as I do not feel they would keep this info secure. Heights Finance is as much of a fraud as the guy who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i booked a hotel through my credit card 's travel agent, AmexTravel. during the booking ( but before paying ) the website clearly stated " Free 24 hour cancellation : for a full refund, you can cancel ... within 24 hours of booking. '' there were no caveats to this statement and no asterisks ( see the picture ) suggesting that the hotel was non-refundable after booking, i requested to cancel it as i wanted to change the dates. i called the agent within 24 hours and was on the phone for over an hour. they stated that it was non-refundable but that they would call the hotel to negotiate a refund. towards the end of the hour long phone call, they said the hotel was unreachable but they would continue trying XXXX days later they called me and said still no answer. they then urged me to cancel the reservation, saying they would continue to seek a refund. i asked what if you don't get a refund then im down - {$1000.00}, and the agent said not to worry that they would continue to call. their phone calls are recorded- this call took place on XXXX XXXX XXXX XXXX XXXX later they emailed me to say that the hotel was still not answering their calls or emails. i called the hotel myself and immediately got an answer. the hotel XXXX said no one had called or emailed about the reservation, but that the reservation had been cancelled. i asked for contact details and passed these on to AmexTravel. they still claim that the hotel is not answering them overall i have been misled by the " Free cancellation for a full refund '' statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I spent countless hours on the phone with various employees of XXXX over the span of a months. I initially cancelled my service because the coverage was inadequate. I was a customer for less than 3 months. When I called and cancelled the service I was told we were all set, the service would be suspended immediately and nothing else was required of me. 

Fast forward 6 months and there's a collection notice on my credit report for {$710.00}. They continued to charge me for service I was not receiving or using. I immediately called XXXX thinking this was a mistake and could be corrected easily. I was told the account was already closed and there was nothing they could do about it. Meanwhile they had never sent me a bill, a statement, or anything via email or physical mail so I'm not sure how I was ever supposed to pay them at all. The following are the records I have of phone calls because I started documenting this whole ridiculous process myself XX/XX/2022 Employee ID XXXX XXXX XXXX and I spoke for XXXX hours and I thought we had resolved this. She told me that it would take some time, but by XX/XX/XXXX should be XXXX balance on my account and we could get this removed from my credit report. 

On XX/XX/XXXX I spoke with XXXX XXXX Employee ID XXXX Still seeing this delinquency on my credit report I called back. She had no records of what I was talking about and wouldn't provide me a copy of the recorded call I had previously had with XXXX. She told me she would escalate the situation and I should expect a callback on XX/XX/XXXX XXXX XXXX XXXX XXXX the supervisor I spoke to ( they apparently don't have employee IDs ) on XX/XX/XXXX. We spent an hour going back and forth for her to repeatedly tell me I should take it up with the collections agency ( an absurd recommendation ). She said that since the account had already been sent to them there was nothing they could do ( obviously not true ). She told me basically that I was XXXX and responsible for the erroneous charges that XXXX levied against me and there was nothing that she or anyone else at the company could or would do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the handling of my credit card account. Despite my attempts to resolve the issues directly with the company, I have encountered persistent problems that have caused financial distress and frustration. 

Here are the details of my complaint : Chargeback : On XX/XX/24, I filed a dispute with Capital One for a charge in the amount of {$220.00} as the merchant sent me a different product than what i purchased. The Capital One representative who filed my dispute over the phone grossly misinformed me of their process causing me to miss the deadline to respond to the merchant 's rebuttal. Despite contacting Capital One immediately upon discovering the errenous informationi was provided by the representative, they have failed to provide satisfactory resolution or reinvestigation into the matter. 

Poor Customer Service : at the time of initiatiating the dispute, I was informed and assured by the Capital One representative that I would receive further correspondence via regular mail with a deadline to respond. Unbeknownst to me, the correspondence was uploaded to their portal without my knowledge, causing me to miss the deadline to respond to the merchant 's rebuttal. Consequently, Capital One ruled in the merchant 's favor for me failing to repond by the deadline. I have requested that Capital One reopen the case and thoroughly review my supporting documents as their representative misinformed me of their process. Their representative neglected to inform me to access their correspondence in their portal document center and instead advised me to expect it in the regular mail which is the reason why I was unable to respond to the merchant 's rebuttal on time Despite numerous attempts to address these issues with Capital One customer service and dispute representatives, I have been met with unhelpful responses, prolonged wait times, and inadequate assistance in resolving the issues with my account I have attached copies of relevant documents. 
I am seeking your assistance in resolving these issues and ensuring that Capital One takes appropriate action to rectify the problems with my account. I request a thorough investigation into my complaint and prompt resolution to alleviate the financial and emotional stress caused by Capital Ones 's negligence and misconduct. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: DE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I had XXXX unauthorized charges from XXXX which who, I dont use or do any business with charge my account. I called my bank to lock my card and I waited XXXX hours for charges to post. I called my bank to make a dispute on XX/XX/XXXX with my bank XXXX ( XXXX XXXX. ). On XX/XX/XXXX, they closed my dispute and denied my claim. They sent in a document showing XXXX transactions not affiliated with the charges stating it recognized the flow and determined that I had made those charges. I then filed an appeal on XX/XX/XXXX. It was denied for same reason. I then filed another appeal on XX/XX/XXXX with a police report, a message from XXXX support to contact my back to investigate and do a charge back. My appeal was denied again. They did not answer my questions regarding if they contacted XXXX. They gave me the same generic answer with no explanation. I have escalated my complaints twice to their Customer Advocacy team and was denied again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
I filed a dispute with Paypal Prepaid by Netspend on XX/XX/2024. The dispute was about my card being stolen and fraud charges were made on my account without my authorization. Charges where approved without the use of my personalized pin. 

I was told to write a letter within 10 days for a provisional credit while my claim be investigated. I submitted my letter of request, and I was suppose to get an update on XX/XX/2024. As of today I still have no update or support.

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 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Account the amounts that are owed and have been on this account for 2 years and I have not gotten any notifications of what's owed. XXXX XXXX caused a lot of hardship for my family and current situation. 

- {$1700.00} Checking account- {$460.00} Savings account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation