vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I tried to take out {$400.00} from a ATM at XXXX XXXX, it was a XXXX XXXXXXXX XXXX ATM. I was using my Cashapp card to do the ATM transaction and it went through and my money came out. But before I could grab it, the machine pulled my money back into the machine and the money was still taken out of my account and I need this money for bills very very badly and they haven't refunded it yet. I would think that if would be a simple fix and they could easily see the problem and that I never grabbed the money. I was using that {$400.00} for my car payment and now I am super late on my payment because of it and they won't refund it. I opened a claim with the ATM operator and Cashapp but nothing has been done yet. I have included a picture of the ATM operator and phone number, the original receipt and also the picture with the writing is the case number from the ATM operator that I opened a claim with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Affairs Department Dear Equifax, I am writing to express my deep frustration and outrage regarding your flagrant disregard for my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that despite my explicit request to freeze my consumer report and submission of all required documentation, your company has failed to comply with the law and has instead demanded redundant documentation. 

Let me be unequivocally clear : I have the legal right under the FCRA to freeze my consumer report, and I have already provided all necessary documentation to exercise this right. Your insistence on requesting the same documentation that I have already submitted is not only redundant but also utterly ridiculous. 

Your unwillingness to follow the law now poses a direct threat to my creditworthiness and financial well-being. By failing to promptly freeze my consumer report as requested, you are jeopardizing my ability to protect myself from identity theft and unauthorized access to my credit information. 

I demand immediate and unconditional compliance with my request to freeze my consumer report, as mandated by the FCRA. Any further delay or refusal to comply will not be tolerated and will result in severe consequences for Equifax. 

I am directing Equifax to immediately freeze my consumer report and provide written confirmation of this action without any further delay. Additionally, I expect a formal apology for the inconvenience and distress caused by your company 's failure to adhere to the law. 

Furthermore, I will not hesitate to take appropriate legal action against Equifax to enforce my rights under the FCRA and seek remedies for any damages incurred as a result of your non-compliance. 

I urge you to act swiftly and responsibly to rectify this situation and restore my confidence in Equifax 's ability to handle consumer information in a lawful and ethical manner. 

I expect to receive written confirmation of the freezing of my consumer report within five days. Failure to comply will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed a copy of my credit report again after trying to rectify it previously, and I still notice the same fraudulent accounts even after submitting my police report and the credit bureaus still not send me any verifications that I have signed any contracts with said collectors. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As a federally protected consumer, my rights have been violated causing damage to my reputation and well-being through the intrusion of my privacy and inaccurate reporting. Capital One willfully furnished adverse information to the credit bureau, XXXX. In addition, transactions were reported which violate 15 USC 1681a ( A ) ( i ). I never gave XXXX nor Capital One any written or unwritten consent to share any of my information publicly. Also, Capital One furnished information to XXXX as charged off numerous of times on my report. A charge-off is considered income, and income is not allowed to be furnished to a credit report. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Capital One are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC
State: WA

Complaint narrative:
I fell behind on payments and ever since I did, the company locks my account from making online payments. I asked multiple times over the phone why they did this and they always refuse to explain. They just say that because I am working on loss mitigation, I can not make online payments. They refuse to give an actual reason. It seems to be nothing more than an artificial barrier they put up to make it harder for people who are behind on payments to catch up. I do not have reliable phone access so the inability to make online payments is more than a simple inconvenience.

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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Experian and XXXXXXXX XXXX XXXXXXXX account XXXX, has violated my rights. 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 instruction. 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 instruction. In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, has violated my rights. 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 instruction.

This debt has not been validated by the debtor. I have no proof/validation that this debt belongs to me. This debt has been disputed and removed by XXXX ( see attachment of this ). XXXX reached out to the debtor and they were not able to validate and therfore removed it from the credit bereau.

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 2024-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please find the documents attached to this complaint regarding this serious matter that is causing me physical, mental and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
I'm experiencing issues with both Speedy Cash and XXXX XXXX XXXX, the collection agency that acquired the debt. Through my investigation, I discovered a loan opened in my name with Speedy Cash in XXXX, which was never repaid. In XX/XX/XXXX, I received a credit notification about this debt, impacting my score significantly. Upon further research, I found that this debt from XXXX was sent to collections in XXXX, violating Maryland 's three-year limit for lenders to sue for a debt. The delay in selling the debt and reporting it has reset the XXXX term on my credit report. Moreover, Speedy Cash wasn't licensed to lend in Maryland in XXXX. I've requested documents from the collection agency but haven't received any feedback yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: UT

Complaint narrative:
" Last year, I noticed several accounts on my credit report that simply didn't belong to me. I've gone above and beyond, reaching out to each creditor tied to these suspicious accounts, trying to clear up the confusion between their records and mine. I've also sent numerous letters to XXXX, Trans Union, and XXXX, all via certified mail, asking them to correct these errors. But despite the law giving them 30 to 45 days to fix things, they've dropped the ball. It's like they're not even playing by the rules set out in the Fair Credit Reporting Act ( FCRA ). 

Because of their negligence, I'm stuck in a rut. I can't get a loan, buy a house, or even finance a car. It's frustrating to feel like a second-class citizen just because some bureaus can't get their act together. So, I'm left with no choice but to take legal action against each of them. Their failure to follow the law and give me the help I need has put me in a tough spot, and it's time they're held accountable for it. '' Their failure to adhere to the requirements of the FCRA is gross negligence. This treatment has been a horrible experience for me. Pursuant to my rights under the FCRA, I will be filling a lawsuit within this week.

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank routinely does not alert customers online as to pending payments on their checking account. Other major bank alert customers online in a reliable manner showing pending payment transactions. This allows customers to deposit funds to cover any pending payments. Citibank does this intentionally so that they can charge overdraft fees. I was charged {$70.00} in overdraft fees as a result of these deceptive practices.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Affairs Department Dear Equifax, I am writing to express my deep frustration and outrage regarding your flagrant disregard for my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that despite my explicit request to freeze my consumer report and submission of all required documentation, your company has failed to comply with the law and has instead demanded redundant documentation. 

Let me be unequivocally clear : I have the legal right under the FCRA to freeze my consumer report, and I have already provided all necessary documentation to exercise this right. Your insistence on requesting the same documentation that I have already submitted is not only redundant but also utterly ridiculous. 

Your unwillingness to follow the law now poses a direct threat to my creditworthiness and financial well-being. By failing to promptly freeze my consumer report as requested, you are jeopardizing my ability to protect myself from identity theft and unauthorized access to my credit information. 

I demand immediate and unconditional compliance with my request to freeze my consumer report, as mandated by the FCRA. Any further delay or refusal to comply will not be tolerated and will result in severe consequences for Equifax. 

I am directing Equifax to immediately freeze my consumer report and provide written confirmation of this action without any further delay. Additionally, I expect a formal apology for the inconvenience and distress caused by your company 's failure to adhere to the law. 

Furthermore, I will not hesitate to take appropriate legal action against Equifax to enforce my rights under the FCRA and seek remedies for any damages incurred as a result of your non-compliance. 

I urge you to act swiftly and responsibly to rectify this situation and restore my confidence in Equifax 's ability to handle consumer information in a lawful and ethical manner. 

I expect to receive written confirmation of the freezing of my consumer report within five days. Failure to comply will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-28 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: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Monday XX/XX/year> I applied for the Walmart Credit Card with Capital One. A few seconds later I received an email from Capital One stating I was denied the credit card due to the following reason : there have been too many recent inquiries. I immediately called Capital One 's Credit Card Application Office requesting they provide additional information to this false statement. The representative stated that she would re-submit my application notating several points I gave her ( 1 ) I am a long time excellent Capital One customer for more than 20 years and have jumbo bank accounts and credit card accounts with them ( 2 ) I have excellent 800 above credit ( 3 ) I only had 2 hard inquiries on all my credit reports/bureaus and 1 of them was Capital One whom checked my credit without my authorization. In fact I only have 1 hard inquiry. 

There was no reason for Capital One to deny me ( a long time excellent customer ). I have concluded after this experience that Capital One is violating the Consumer Financial Protection Bureau laws by unjustly discriminating against me and who knows how many others for false reasons. I request the US government to keep tabs on Capital One 's practices and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and seen some inquiries that are not mine

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 2024-02-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief