vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Sent a single notice that my account would be closed via email. No paper communication, no continued communication. 

Closed a card that was in good standing for years. After contacting them less than a week later they refused to reopen the card. 

I will never be a Capital One customer again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXX XXXX XXXX  on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research about these items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}, XXXX XXXX  XX/XX/2022, XXXX XX/XX/2022

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
An individual installment loan for {$5000.00} was taken out in my name from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did NOT open this account nor take out a loan from this establishment. The account is 120 days over-due, and my credit score how now gone from good to poor. The account was opened with an address at which I have NOT lived : " XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. '' I live in Massachusetts and have never lived in Florida. 

It seems that I was a victim of identity theft. I discovered this account when I checked my credit report from Equifax on XX/XX/XXXX. I called XXXX, who verified the loan that had been taken out in my name as well as the false address on the account. XXXX directed me to file an identity theft report with the FTC and to dispute my credit score with the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I rarely use my credit. A few months ago i opened my credit report and saw many accounts that where not mine. I called the creditors directly. A few verified that my social security number didnt match what they have on file. So why is this on my credit. I contacted the bureaus. They asked me to file a police report, which i did. The accounts are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a personal and joint Online Savings Account ( OSA ) at Marcus by Goldman Sachs. The joint account was funded by electronic transfer in the following amounts XXXX account XX/XX/XXXX - {$1.00} XX/XX/XXXX - {$99000.00} XX/XX/XXXX - {$120000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - ( {$150000.00} transferred to personal account ) XX/XX/XXXX - {$120000.00} ( deposit from co-tennant ) On XX/XX/XXXX, I attempted a transfer to an external linked account at a third bank and the transfer was flagged for a " fraud '' audit. I was able to quickly call in and confirm the transfer and my account was unlocked. However, my co-tennant was not able to unlock her account after many attempts. She has even mailed in a notarized " affidavit of identity '' ( AOI ) as per request of the bank fraud department on XX/XX/XXXX. But 18 days later, they still show no receipt of the AOI. 

Currently, the principal balance in the joint account is {$250000.00}, plus interest paid. I have had no access to these funds for over 30 days. 

I asked the bank to return the funds in the joint account to the FUNDING account ( s ) until the account lock issue has been resolved, but they responded that this was not an option for " fraud '' reasons. This seems ridiculous because the funds are being returned to the funding account, whose provenence is known. The customer service team refused to escalate the issue beyond a first level manager to resolve this problem. They also refuse to accept electronic or photo versions of the notarized AOI to expedite the account verification process. 

There seems to be a business process issue in the way the Fraud department at Marcus by Goldman Sachs manages custody of funds received. Their account verification process relies only on delivered mail and they refuse to acknowlege that this is unreliable or that their mail processing team could have made a mistake. Additionally, the customer service team refuses to allow me to speak directly to the account verification team by phone. 

I can not believe that it is legal for them to freeze my deposits under a pretense of fraud for an indefinite period of time. At the very least, I should be allowed to return funds to the funding account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, as I do every week, I checked my credit report. I noticed I had a collection, which I have not had any collections in awhile. I lost everything a few years back and was able to get my credit out of the gutter. So I look on the XXXX and there is some charge on an account that was opened in XXXX XXXX. I didn't open anything and I do not have XXXX. I never had XXXX. I submitted a dispute for each of the credit company 's and called the collection company and told them I had no knowledge of this debt, I did not open any accounts with XXXX. They said its from an account in XXXX. I never heard anything about this so called debt owed from XXXX. Now my credit is tanking. They told me to file a police report. On a debt they say is from XXXX? No, I think this company is trying to steal money from people. I hope that my credit companies remove this from my credit report. I asked them to verify the debt or some kind of bill and I have not received anything. But every day my credit continues to tank because of this. 

If i owed anyone any money from that long ago, WHY is it just appearing now? Its a scam!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting inaccurate and unverifiable information and has affected my lively hood. Because of this, I have been denied jobs, housing, and credit lines. Below I have attached a screenshot of the accounts that are inaccurately reporting per consumer protection law.

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 2023-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Unfortunately, I am sending this message for your help because this matter is very time sensitive. I need an answer or resolution ASAP. I have tried everything I could think of with the bank over the last 7 days when I found out the issue 7 days ago. 

On Monday XX/XX/XXXX, I went to the XXXX XXXX, at XXXX XXXX XXXX, XXXX, CT XXXX of the M & T Bank ( Manufacturers and Traders trust company People 's United bank ), to go into my safety deposit box to get my passport. I was going on a trip and needed to get it renewed because it expires before my trip. I have owned the safety deposit box for over 25 years at the same location and a total of 40 years with the bank at another location. I was meant to be the only person who has access to it and have been the only person with a key to it. 

I was informed that it was closed out my someone in XXXX but at the time they would not confirm who it was or when it was. They said the lock had been broken into because the person did not have a key and the box did not exist anymore with all my legal documents, passport, my birth certificate, deeds to my home, car titles, bonds, family heirlooms, jewelry, and many other items to long to list here. Over almost 38-40 years of legal documents. 

I asked who closed the safety deposit box and if I could any documentation of the box being closed permanently and not existing anymore. Basically, who had my contents of my safety deposit box. The bank stated all paperwork including a notarized paper by the bank, were the bank 's " internal documents '' and were not given out to the owner of the box without a subpoena from my lawyer. I am not sure if the person who stole the contents of the box has any paperwork from the bank. 

I have tried every day in the last week to get the documents of the closing of the safety deposit box, but they are not currently assisting me to get the paperwork without a lawyer 's subpoena. I find this outrages because it was my safety deposit box and I did not close it. The contents were taken out of there without my consent and the box was closed permanently without my consent. 

I could use your help in any way I can. I what to find out officially who gained access to the box. I have my suspicions, but I need to know officially. I would also like to get my passport and original birth certificate in order to get my passport renewed or new one. Neither I can do without the stolen documents in the safety deposit box. 

Thank you and I look forward to hearing from you soon.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Unauthorized credit inquiries on credit file.

Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.

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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
XX/XX/XXXX I was involved in a total loss accident that was not my fault. I called the next day and set everything up through XXXX and XXXX XXXX XXXX department. My 1 and only key fob was lost during the tow and trip to the collision department. Somehow the vehicle locked after we retrieved my belongings. During the weeks to follow I was instructed by my lawyers not to speak to XXXX. I did communicate with collision department, and my loan company. I told Flagship credit acceptance shortly after the accident that I couldnt make that last payment. They told me I needed to pay but it should be paid off soon due to the total loss. In XXXX still nothing was resolved and flagship repossessed my vehicle due to XXXX XXXX charging impound fees and XXXX not responding or totaling out my obviously totaled vehicle. In XXXX of XXXX my vehicle was finally paid in full and flagship credit acceptance refused to remove the repo even though they posted the paid in full day to XX/XX/XXXX I kept in constant contact with flagship. They were awful and rude after the fact of being paid off, XXXX the supervisor told me they had no idea I had insurance, even though I had called months prior and another supervisor promised it would be removed after they were paid in full. Please note the car was repossessed before I owed any missed payment so I stopped paying on the vehicle due to losing my job, and this repo hurting my credit. XXXX has completely miss handled my entire claim. I am still waiting for my lawyers and XXXX to finalize my claim.

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