vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, Hope you are doing great. XXXX  days ago today, I had done a transaction in Capital One from my bank account which was my company account. Capital One is a terrible bank that doesn't know how to talk to its customers. When I went to the branch, they treated me with such a Strange attitude that I can't talk. They misbehaved with me and also with my XXXX. I had transferred XXXX $ from my XXXX bank which is my company account XXXX XXXX to Capital One account which is my personal account Capital One.When I started transferring my amount from Capital One, Capital One restriced my account and And the transaction I had done was pending, it was declined by them. Then I went to the branch the next day and they misbehaved with me as I mentioned above. they are not giving me my amount back, they are continuously arguing about the amount of XXXX something dollars which came into my account XXXX  months ago which was sent by my client, they are saying that they want all the details of it. And the details provided to me by the client that I have given them everything but despite that they are saying that the number is not matching with the details of the client. And when I argued with the client, the client blocked me, now I have no option, please recover my amount, I am very upset. I have XXXX $ in my Capital One account, Please return this amount to me, I may get some benefit from this complaint. Because I am doing this with great hope in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-08 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AL

Complaint narrative:
Experian have not properly investigated disputes and have correct information on my credit with everything.

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 2025-01-08 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: MOHELA
State: FL

Complaint narrative:
The family protection act. I never authorized the XXXX XXXX, XXXX, XXXX, and all credit reporting agencies to share my student loan information it violates my privacy. I have had ID theft reported in 2024 that was significant. It was disputed and removed. There needs to be more privacy rules preventing these companies from acquiring our information without consent. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
My account with XXXX 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 in to be removed.

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. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2025-01-08 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: TX

Complaint narrative:
Earlier today, I found some incorrect accounts on my credit report, and Im unsure why theyve appeared. I checked my report as I normally do, but this time, there were discrepancies I hadnt seen before. I even tried refreshing the browser, thinking it might just be an error, but the inaccurate accounts persisted. I am requesting a detailed review of the documents Ive sent to resolve this matter completely and give me peace of mind.

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 2025-01-08 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I received a security system from XXXX an affiliate of Fortiva retail credit company. The amount that was disguised and agreed to during the time I was very clear that I was out of work on XXXX from having XXXX car accidents within XXXX  days XXXX deer hit me. I made the sales rep. aware he said I would be fine presented me a quote that was within my budget, I agreed to move forward unfortunately I was unclear of the retail credit company and the credit process. When he gave the hand written quote it was for a total balance he did not clarify that the would be XXXX separate transactions for a higher amount than we spoke on that I believed to be the full pitching price broken down into monthly installments. I have reached out on numerous occasions and sales representatives have been in touch however, their limited knowledge and ability to handle this matter is unsuitable. I have spoken to customer service representatives who stated they were unsure why I was transferred to them in the first place from XXXX customer service representatives to Fortiva customer service representatives both companies responded similar once I explained all the details and other occasions they simply were rude and or had no information to provide for me. When they werent rude they simply had no resolutions to the matter. I was advised to pay the full balance and Fortiva would stop contacting me and I would no longer owe them anything. Thats the only solution a Fortiva sales rep could provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I dispute the debt claimed by Hunter Warfield, which reports that I owe {$28000.00} for an apartment lease. They allege that I moved out on XX/XX/XXXX, although the lease in question was supposed to end in XX/XX/XXXX. I was evicted in XX/XX/XXXX, leaving only a couple of months ' rent, if anything, that I might owe. Additionally, I paid {$6000.00} in past due rent to XXXX XXXX, and XXXX XXXX XXXX ruled that I would vacate the apartment, closing the case. Hunter Warfield has also inaccurately claimed that I occupied another apartment and moved out in XX/XX/XXXX, even though I wasnt in the area at that time. Furthermore, they are claiming {$300.00} in move-out fees for XXXX XXXX, despite my never having signed a lease there. This company has failed to provide any proof of the debt, ignores my notifications, and continues to send incorrect information, including a lease stating my term ended in XX/XX/XXXX, contradicting their claim of a XX/XX/XXXX move-out. I accuse Hunter Warfield of inaccurate reporting, misuse of my personal information, and a lack of support in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I asked XXXX XXXX for a validation of my account and a deletion of it from all credit bureaus because the information presented on my credit report is inaccurate. 

On XX/XX/XXXX, based on my CFPB complaint, the company responded that their records were correct and that they were not changing my reports. Even though the amount shown on my account records is not the same as they are reporting ( which is a factual error ). 

The company also ignored the fact that according to the " validation letter '' that they sent me, they must delete this account because this account has exceeded the 7 year reporting period. According to the Fair Credit Reporting Act, a delinquent account must be deleted on the date OF THE ACCOUNT 'S FIRST DELINQUENCY. According to the accounting records sent by XXXX XXXX, my first date of account delinquency was XX/XX/XXXX. XXXX years from this date is XX/XX/XXXX. This account should no longer be reported on any of my credit reports. Please delete 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked XXXX XXXX for a validation of my account and a deletion of it from all credit bureaus because the information presented on my credit report is inaccurate. 

On XX/XX/XXXX, based on my CFPB complaint, the company responded that their records were correct and that they were not changing my reports. Even though the amount shown on my account records is not the same as they are reporting ( which is a factual error ). 

The company also ignored the fact that according to the " validation letter '' that they sent me, they must delete this account because this account has exceeded the 7 year reporting period. According to the Fair Credit Reporting Act, a delinquent account must be deleted on the date OF THE ACCOUNT 'S FIRST DELINQUENCY. According to the accounting records sent by XXXX XXXX, my first date of account delinquency was XX/XX/XXXX. XXXX years from this date is XX/XX/XXXX. This account should no longer be reported on any of my credit reports. Please delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I asked XXXX XXXX for a validation of my account and a deletion of it from all credit bureaus because the information presented on my credit report is inaccurate. 

On XX/XX/XXXX, based on my CFPB complaint, the company responded that their records were correct and that they were not changing my reports. Even though the amount shown on my account records is not the same as they are reporting ( which is a factual error ). 

The company also ignored the fact that according to the " validation letter '' that they sent me, they must delete this account because this account has exceeded the 7 year reporting period. According to the Fair Credit Reporting Act, a delinquent account must be deleted on the date OF THE ACCOUNT 'S FIRST DELINQUENCY. According to the accounting records sent by XXXX XXXX, my first date of account delinquency was XX/XX/XXXX. XXXX years from this date is XX/XX/XXXX. This account should no longer be reported on any of my credit reports. Please delete 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 2025-01-08 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: NJ

Complaint narrative:
On XXXX XXXX, someone took an online loan under my name of {$3200.00} at a bank called XXXX XXXX XXXX with an interest rate of 179.50 %. 
I tried calling the bank and they are requesting a lot of personal information from me including soso al security number un order to verify my identity. I never requested a losn from them. They have a contract under my name, but with a fire tent address from another state, which I never lived there. 
They sent me an email with my contract which I never signed. 
The bank does not seem like a real bank and when I looked them up online it looks like a lot of people is going through the same issues. Opening accounts and stealing peoples identity. 
I filed a police report and I am still waiting to resolve this issue. 
XXXX XXXX XXXX is stealing peoples information and giving fraudulent loans with ridiculous interest rates.

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 2025-01-08 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: WA

Complaint narrative:
There was a database with all three credit agencies and with Experian twice and when I check my credit report there's so many different things on there that are not that don't have anything to do with me that in several different names my name spell several different ways different phone numbers that I don't recognize addresses transactions credits student there's all kinds of stuff so I just need them to remove all the items that I don't recognize that don't belong to me so I need them to remove those those items that are not connected to me in any way phone number is addresses transactions credits I need those items removed immediately all of 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal Credit Union charges me random overdraft fees with no notice. I just open my account to see a random overdraft fee. When I ask them about it they tell me on some random day there was not enough funds in the account for a purchase however it is a debit card any purchase over what is available in my account is denied. I've been a customer with them for 11 years and any time I bring up an issue I get a generic response and then notice they change the way the charges look in my banking statement and app going so far as to break my paycheck up into {$15.00} increments which was just baffling. I'm at my wits end because they have great security but I fear it's just so they can get away with literally robbing their customers. You can clearly see my balance below the transactions and when you bring it up to them they'll just go in and adjust it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I recently noticed that an institution named XXXX made a hard inquiry on my credit history on XX/XX/year>. As you may know, hard inquiries remain on credit reports for up to two years and can negatively impact my credit score and future financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I recently noticed that an institution named XXXX made a hard inquiry on my credit history on XX/XX/2024. As you may know, hard inquiries remain on credit reports for up to two years and can negatively impact my credit score and future financial opportunities.

I am requesting that this hard inquiry be reviewed and, if possible, removed from my credit report to avoid any potential issues.

Thank you for your assistance, and I look forward to resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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