vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I wrote a check in the amount of {$23000.00} to a XXXX. They are doing work for me on my deck. I mailed the check on XX/XX/XXXX and it posted as processed by my bank ( Capital One ) on XX/XX/XXXX. On XXXX the XXXX contacted me to follow up on the payment as they had not received the check I mailed on XX/XX/XXXX. On XXXX, I logged into my Checking account to review the transaction since I knew it had posted to my account. I opened up the image of the check and everything on the check had been changed except my wife 's signature. The Pay had been changed to XXXX XXXX XXXX a mobile deposit was made to to the same name XXXX, which I believe is XXXX XXXX XXXX XXXX. I immediately called Capital One to report the check had been stolen, washed and deposited by the person named above on XXXX. I've been contacting my bank every XXXX days since discovering my check had been stolen and the only feedback I continue to get is that they have contacted the bank where the check was deposited and are trying to recover the funds. I desperately need to get this money back and based on the interactions I've had with Capital One it seems like they don't seem to care if I recover the money stolen from me. I don't know what else to do so I'm filing a complaint with CFPM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My information was exposed during a Data Breach and Ive noticed inaccurate and unauthorized fraudulent accounts and inquiries. 
Please remove all accounts and inquiries.

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 2024-08-19 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am not aware that I am being charged, I dont have any idea or knowledge that I am charged or being charged by this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. XXXX to you right off the bat for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
I was stunned to find incorrect accounts on my credit report this morning, with no explanation for how they got there. When I checked my credit report, like I usually do, I was taken aback by these sudden discrepancies. I even refreshed my browser, thinking it might be an error, but the inaccurate accounts stayed. I'm very anxious about this and ask that the documents I've provided be reviewed thoroughly, so I don't have to go through this again.

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 2024-08-19 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: FL

Complaint narrative:
In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instruction Also the credit bureaus took more tan XXXX  days to complete the investigation i send them a letter on XX/XX/2023 and never got a response and have mailed them more then XXXX times

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 2024-08-19 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:
XXXX XXXX Equifax for Failing to Complete Dispute Investigation Within XXXX  Days I am writing to file a formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. On XX/XX/year>, I submitted a dispute to Equifax concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, Equifax is required to investigate and resolve disputes within XXXX  days of receipt. As of today, XX/XX/year>, more than XXXX  days have passed since I initiated the dispute, and I have not received any communication from Equifax regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. I have attempted to contact Equifax multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau take appropriate action to ensure Equifax fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I deposited a check online on XX/XX/XXXX. Received an email saying it will be available in XXXX business days, which would be XX/XX/XXXX. A few hours later i receive another email saying my XXXX  and external transfer profiles were suspended. I have never used XXXX or transferred anything. Then received another email stating account was suspended for suspicious activity which until now, they have not told me what the activity is. I called the same day and was told to call back the following day. I called again XX/XX/XXXX and was told that they are waiting for check to clear. A few days later, i call again and was told to wait for XXXX business days and account will automatically be unlocked. I call after XXXX business days because that did not happen at all. Was told very rudely that they have to confirm from agency check was issued from. I asked if I can send in the proof of the paperwork sent by the government agency to be able to be able to receive my check. Person rudely cut me off and told me no and to just wait. It has been past XXXX business days and it is a government check that can easily be verified. I keep getting told different excuses and that is not ok. It is XX/XX/XXXX and i still cant access my account online or have access to my funds that is already in the account.

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 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Caine & Weiner, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX bill in the amount {$500.00} dollars that was discussed on XX/XX/year>. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have had a credit card with Bank of America for XXXX  years. Recently, the bank closed my account, citing inactivity for XXXX  months. They claim to have sent XXXX email and XXXX paper notices regarding the impending closure, but I never received any of the paper notices. Despite verifying that the address on file is correct, they closed the account less than XXXX months after supposedly trying to contact me about it. 

I did receive an email from the bank, but I believed it was related to another account for which I had requested a new card and made recent charges. The closure of this account, which I have maintained for over XXXX decades, has negatively impacted my XXXX XXXX. 

This is particularly concerning given my longstanding relationship with Bank of America. I have held over XXXX accounts with them for more than XXXX  years, including credit cards, HELOC, checking, savings, business checking, business savings, and business credit accounts. 

I would like the CFPB to investigate Bank XXXX XXXX handling of this matter, including their communication efforts, and assist in resolving this situation to prevent further damage to my 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 2024-08-19 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX [ XXXX ] XXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear I C System, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX XXXX Verse bill in the amount of {$80.00} dollars that was discussed on XXXX XXXX, 2022. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I seek your help in addressing this incorrect account listed on my credit report. This matter has tarnished my reputation, and I need your assistance. Your mishandling of my credit report has left me in a difficult position as the inaccurate reporting has affected my reputation. These mistakes need to be resolved so I can live peacefully with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I have disputed XXXX  times over the past XXXX years with XXXX XXXX and experian as well as XXXX XXXX XXXX and as of today XX/XX/XXXX, true accord debt collector. Since XXXX I have received countless emails and dings on my credit report for XXXX XXXX debt owned by XXXX XXXX. They didnt initially disclose XXXX XXXX the origin debt, even when disputed XXXX times.experian and XXXX and XXXX XXXX validated the debt I disputed but I wasnt provided with XXXX proof or evidence supporting their claims of validating the debt. I knew I had XXXX back then and Any proof or evidence wouldve shown the facts behind this Debt and save a lot of grief and anxiety.its XXXX XXXX XXXX not XXXX and I Shouldnt be repeatedly contacted by XXXX agencies simultaneously. This is a debt from XXXX but filed as collections in XXXX for the first time on the credit files for it to be within statute of limitations in XXXX Its an XXXX XXXX XXXX bill which never came to light until XXXX. Ive been contacted numerous times by XXXX debt XXXX simultaneously who are both trying to collect for the same debt. XXXX XXXX and XXXX. It seems like unfair and deceptive practices to manipulate the debt XXXX timeline like this. I signed up with XXXX in XXXX and they never mentioned anything. Because of their shady practices I came bringing up a bill with my current provider that was never being pursued by them until I thought I was a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo continued to report a mortgage as current for years after the mortgage had been transferred to another company in 2011. I suffered credit denial for years without understanding why. They fixed this error years later after I reported the error, but never compensated me. I am sure they benefited from the outstanding balance. However it reduced my borrowing and refinancing power. I feel I was affected and should have been a party to the current settlement.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to freeze my credit reports at all 3 providers. XXXX XXXX and XXXX, not a problem, signed up for free and froze. Experian I followed similar path. Had to provide credit card but was not clear I was being charged for anything ( i followed links for free credit freeze ). Received a {$24.00} charge. Tried to call or go online to dispute - not way to speak with anyone and no way to dispute. This was within 7 days of the charge. Automated phone system will not transfer you to person and keeps asking same questions in a loop. Tried to send messages through 'contact us " portal - kept getting error message and 'try again later '. 
I had to navigate site multiple times to find out how to cancel my membership but did it. No comment on refunding my initial charge - only that my cancellation takes place at the end of the month I paid. 
Very fraudulent and deceptive business practices. Also, as credit agency, I should have free control of my credit with them- they should not be charging me to freeze or unfreeze.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief