vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX an ACH transfer from my business checking account at Capital One was sent out to make a payment to a vendor for {$5000.00} USD. The vendor never received the payment. Please note this was for an OUTGOING transfer noted as " XXXX PAYMENT TO ... XXXX '' in my account. 

On XX/XX/XXXX I called the bank to inquire as to the transfer. I requested a trace number and the representative told me they didn't have one. I was told a claim would be started to find out where the money was ( claim # ending in XXXX ). In the meantime, she said they would refund my account. I was told this would take up to 10 business days. I asked for a trace number but they could not provide one. 

On XX/XX/XXXX they sent a letter. 

On XX/XX/XXXX I received said letter which said my claim was denied because their " records didn't show an INCOMING deposit from XXXX PAYMENT TO ... XXXX XXXX  They asked me to verify with the " sender '' their XXXX digit trace number. 

on XX/XX/XXXX at XXXX pm I spoke with a Capital One rep ( XXXX ID # XXXX ) who did not seem to understand we were referring t an OUTgoing transfer rather than incoming. She finally seemed to understand the situation and said she would update the claim. I asked for a trace number but they could not provide one. 

On XX/XX/XXXX I called again to check on the claim. I spoke with multiple representatives who kept passing me from one department to another. All of them were still under the impression we were talking about an INCOMING transfer. 

Finally, I was transfered to XXXX in the claims department. XXXX refused to give me her employee ID #. XXXX said the info she had on file was : - XX/XX/XXXX case opened - XX/XX/XXXX case closed - XXXX XXXX case closed again? 
- XXXX XXXX rebutal submitted after my phone call - XXXX XXXX case closed again, I was never informed. 

She said the case was closed again on XX/XX/XXXX because they did not receive enough information. She said the missing information pertained to the trace number on the transaction. I asked again if she had a trace number ; she said no. I asked how I was supposed to provide a trace number for an OUTgoing transfer when they, the OUTgoing bank, did not have it to begin with. She was confused. 

At XXXX pm ( one hour into the phone call ) she began opening a new claim ( new claim ending in # XXXX ). She said it would take 45 days to hear back on the new claim. I told her I did not want to wait that long given I have already waited 90 days for my XXXX XXXX dollars to be found. She said she could not expedite it so now I have to wait another month and a half for them to " investigate '' what happened to the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: VA

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX account XXXX Account : XXXX XXXX XXXX account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX5 U.S.C 1681 section 602 A states I have the right to privacy and confidentiality under 15 usc 1681 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : 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 crime which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Old Navy placed an alert on my account and will not let me use either their own store card or a bank card to make purchases. I have called several times, waiting on hold for over an hour to talk to a customer service rep. When I finally did get through they didnt know why the hold was placed or who could help me. They just tried to shuffle me off to the next person. I tried contacting Barclays and could not find any email address or phone number to get a live person there who could possibly help me. So I am basically being banned from shopping at Old Navy for no discernible reason.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I was a passenger in a car accident and recently discovered that the medical debt was supposed to be covered by XXXX XXXX, the driver 's personal injury insurance. I requested a bill from Ability Recovery Service for the outstanding debt, which amounted to approximately {$470.00} USD. 

After obtaining the bill, I had XXXX XXXX XXXX XXXX Claims representative send a check for the full amount owed and emailed the check number to Ability Recovery Service. Despite this, Ability Recovery Service initially provided me with a Satisfaction letter, indicating the debt was resolved. However, they later called me to inform me that they had not received the payment and were reversing the deletion, threatening to report the debt to credit bureaus. 

When I contacted XXXX XXXX, they confirmed that the check had been deposited and provided proof of the signed check stub. The floor manager at Ability Recovery Service, XXXX, admitted fault, acknowledging that they had mistakenly applied the check to another account. 

Despite promising to provide a receipt or letter of satisfaction by the end of the day, XXXX failed to do so. Additionally, when I called from my original number, they screened the call, but promptly answered when I called from an alternate phone, only to hang up upon realizing it was me. 

Furthermore, XXXX falsely claimed to XXXX XXXX and me that they were reporting to the credit bureaus was every other Friday, making it XXXX XX/XX/2024, which was later confirmed to be untrue by another employee at Ability Recovery Service. I expect Ability Recovery Service to rectify their mistake, issue a satisfaction letter for both my records and XXXX XXXX, and promptly report the deletion of debt to credit bureaus. They are implementing predatory business practices, as well as false reporting- in which they should be held accountable for.

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 2024-04-26 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: IL

Complaint narrative:
I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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 2024-04-26 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-04-26 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: GA

Complaint narrative:
I have received your computer -generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency.Not only do I believe this is a stall tactic on your part to grant you a additional 30 days to comply with my original requests, but I believe it to be blatant violation of the FCRA.I must express my deep dissatisfaction and disappointment I cant experience my credit with continued negligence displayed by your company in addressing these inaccuracies present on my personal credit report .Despite my numerous letters requesting a through investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears.It is important for you to understand by law, you are required to take immediate action upon receipts of such requests.Your credit reporting agency has been reporting has been reporting inaccurate and incomplete account information to my credit file. I am disstressed that these referenced inaccurate account are on my credit file your credit reporting agency have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and ay be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for alse reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the noncompliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX 
XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. By law these should be deleted immediately off my personal credit report I even call the credit reporting agency and they told me they pay some type of subscriber code so because they pay it yall can keep it very unlawful n thats the reason why its verified thats very corrupt and is not still complying with the law or listening to me yall should be ashamed to be doing this to me Im on a fixed income n about to be homeless because of your careless mistake please remove in 4 buisness days or I will seek ligation.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiBank Department of Defense accounts. 
Require service members to advance pay for required transfers and trainings. Took over 14 months to be reimbursed, causing late fees and cancellation of account, causing issues with chain of command. When trying to contact the company to make payment, called 7 times from XXXX to XXXX, sitting on hold for up to 2 hours. Operational commitments did not allow longer. Now back from XXXX, still attempting to contact the company with no answer. The Department of Defense is forcing service members to advance money to the government to pay for XXXX expenses with little to no backing in being reimbursed and no correction in sight. Only involving my executive officer, second highest ranking member of the XXXX XXXX XXXX enabled me to be reimbursed, however, CitiBank refuses to answer their phone. CitiBank has also begun garnishing wages from service members, so far to the sum of XXXX XXXX dollars.

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 2024-04-26 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: CA

Complaint narrative:
" Your agency is in violation! 
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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} PXXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX {$1700.00} XXXX XXXX XXXX  {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I am writing to dispute a late payment that is inaccurately reported on my credit report. I have carefully reviewed my payment history and have confirmed that this late payment entry is erroneous. 

As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the inaccurate late payment from my credit report promptly. This erroneous information is unjustly damaging my creditworthiness and hindering my ability to access favorable credit terms.

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 2024-04-26 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: IL

Complaint narrative:
I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-04-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation