vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX th XXXX. I was encountered with a an unsympathetic supervisor today who said they report after 30 days a delinquent account. After calling numerous times since XXXX XXXX XXXX thru today I was told I had {$29.00} late minimum payment I missed however since XXXX to XXXX this was the first incident that made my card delinquent. She was not sympathetic or understanding at. The lady happily with a high tone hung up and said XXXX XXXX XXXX bank XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AZ

Complaint narrative:
I have reached out to transunion and XXXX on multiple occasions in regards to deleting inquires that I did not authorize and have not received a response. I did what they asked me and wrote a letter to the companies and havent received a response. It is the duty of transition and experian to remove hard inquires that were not authorized. I have been getting the run around since XXXX. I called to check on the status XX/XX/XXXX and XXXX the manager at transunion put me on hold and hung up the phone and never responded back this happens constantly and I can not get any answers from transunion.

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 2024-05-30 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: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I filed a complaint with cfpb ( complaint # XXXX & # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX in XXXX XXXX CA. On XX/XX/XXXX, they ran my credit without my permission, and I was not there to purchase a vehicle nor co-signing for anyone. I was with a family member, XXXX XXXX, who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/XXXX. The salesman brought back a re- written contract with a higher interest rate of XXXX  % and {$900.00} for the monthly payments. I immediately told my son not to sign that paper. We told the salesman what he did, and we excused ourselves and left. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in XXXX  years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. Two of the five finance companies who unlawfully ran my credit without permission were XXXX XXXX, and XXXX XXXX are still on my credit report. The action has tainted my credit in a very negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality. See my son, XXXX XXXX 's approval letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-30 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: PA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credova Holdings Inc
State: HI

Complaint narrative:
Today XX/XX/year> around XXXX Hawaii XXXX, a number ( XXXX ) XXXX a debt collector was calling to try and collect for Credova , she said she worked for a company called XXXX XXXX debt for Credova. I did not verify any information however I did quickly respond to her saying please stop calling me, yet she kept talking over me. I asked her again to please stop, she still kept on going which I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AR

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I'm facing delays and denials in applying for a home equity line of credit from Pentagon Federal Credit Union due to my XXXX income. 

PenFed keeps asking for proof that it will continue for three years despite giving them my policy that shows its to age XXXX ( I'm XXXX years old ), plus XXXX  years of W2 statements, plus tax returns, plus last three monthly bank account statements, plus screenshots of receiving my payment this month. 

There is literally nothing else I can provide for PenFed but they issued a denial notice of incomplete application. 

PenFed made written statements like " The monthly bank statements may work to proof that the income is currently received but will not work to proof that you will continue to receive the income for the next three years. '' I've previously gotten a mortgage and another HELOC  from other lenders on the same XXXX income and same proof without any issues. Ironically, a couple years ago PenFed approved a personal loan for the same XXXX income with the same documentation. 

Its clear to me that PenFed is engaging in a pattern of practice of discriminating against applicants that receive XXXX income.

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 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I overpaid my XXXX income share agreements by {$200.00} last year. They will not issue me a statement credit for the overpayment and are instead applying it to my cumulative balance. This cumulative balance will most certainly not be met by the time my payment period is up, so in a way they are stealing money from me. They have not been helpful and it's very scammy how they are just taking my overpayment money, which belongs to me, and applying it to a balance that I will not reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AR

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a checking and savings account with Capital One toward the end of 2023 ( that itself was an unnecessarily long and drawn-out procedure involving many headaches ) and deposited some checks at the atm. 
when I tried using my debit card it did not work. I called the bank and was very frustrated with their terrible customer service. After seeing nobody helping me over the phone, I finally went to their XXXX XXXX location. 
I told them what my problem was. They said it looked like fraud because I had deposited checks of different amounts, and from several places. After I provided them with my ID, social security number, and phone number ( every .single. time. ) and explained that as a XXXX XXXX  I had received checks from the XXXX XXXX XXXX XXXX XXXX they still kept me locked out of my account. 
I asked them why they couldn't give me the checks I deposited, and they said that once a check is in the ATM it's void. 
They told me that the only way for me to access the funds would be to give them the phone number of the business owner from every business I had a check from. they also clarified that the number must be VERIFIED TO THE BUSINESS OWNER. ( they can't speak to a secretary, etc. ). I worked for XXXX XXXX XXXX XXXX and I don't really have a way of getting the contact info of the business owner. 
Then they told me they would close my account if I did not take action. I was more than happy about that, but they closed my account and did not send me anything other than a bank statement showing a total balance of XXXX. 
Basically, I got horrible customer service and bad manners from Capital One employees, and now I am left with several XXXX dollars stuck in a closed account. 
I hope that you can help me with this. 
THANK YOU. 
P.S. I know several other people who also had difficulties with Capital One...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AR

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Post date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$5000.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Post Date XX/XX/2023 XXXX XXXX {$550.00} Post Date XX/XX/2023 XXXX XXXX {$2000.00} Post Date XX/XX/2023 XXXX XXXX {$300.00} Post Date XX/XX/2023 XXXX XXXX {$1900.00} Post Date XX/XX/2023 XXXX XXXX {$2100.00} Post Date XX/XX/2023 XXXX XXXX {$700.00} Post Date XX/XX/2023 XXXX XXXX {$1800.00} Post Date XX/XX/2023 XXXX XXXX {$2500.00} Post Date XX/XX/2023 XXXX XXXX {$2600.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Post Date XX/XX/2023 XXXX XXXX {$2000.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Total = {$24000.00} My credit limit at the time was {$13000.00} and I only had {$10000.00} credit balance. Initially disputed charges as I did not make them. Did not hear from Capital One. Card was cancelled and they continue to charge me interest. Wrote to Capital One to see what status of dispute was. Did not hear from them. Received a letter from XXXX XXXX, XXXX a collection agency. They said Capital One had determined these were not fraudulent charges even though the circumstances themselves would indicate fraud. Wrote to collection company and spoke with XXXX on the phone. She had no details, but said they would let Capital One know I was still disputing the charges. I can send you a copy of the credit card statement showing the charges. Checked internet to see what " XXXX XXXX '' meant and it said XXXX was " Capital One XXXX XXXX XXXX Bank. XXXX I can't believe whoever was looking at my credit card account would not decline to make these payments because they were way over my credit limit, if for no other reason. I DID NOT AUTHORIZE THESE CHARGES AND HAVE NO IDEA WHO MADE THE PHONE CALL OR WHERE THE MONEY WENT TO. Please help.

Company response to consumer: Closed with explanation