vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was included in that bankruptcy. On XX/XX/year> they debited my account for XXXX. I disputed that charge. My lawyer sent over documentation showing my bankruptcy was filed and that merchant was included. On XX/XX/year> USAA stated that my dispute was being dismissed, and they were reversing the temporary credit issued to my account for XXXX. USAA claims they didn't get that paperwork. sent on XX/XX/year>, ( even though the same paperwork was sent for 2 other disputes of merchants included on the same bankruptcy, that were approved. ) I resent the documents my lawyer sent as well as the cease-and-desist letter that was sent to XXXX. I was advised the claim was being reopened to be processed due to the paperwork I sent over for the bankruptcy. On XX/XX/year> the XXXX credit was reversed, and my account was debited that fee. I have now called 3 different times trying to get this matter resolved because that fee was included in my bankruptcy and the merchant should no longer be charging me and the bank should not be upholding that charge. All I have gotten when I call is passed around from representative to representative. All I am trying to do is get that charge reversed as it was dismissed via federal court in my bankruptcy. I am very disturbed that after XXXX with USAA I have to contact the CFPB for help with this matter.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I am filing this complaint due to ongoing errors and violations in the reporting of my Consumer Adjustment account ending in XXXX. Despite disputing these inaccuracies for over five months with Consumer Adjustment and the credit reporting agencies, no corrective action has been taken. These errors are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Date Opened is listed as XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These are future dates and clearly impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account is reported as a Collection/Chargeoff with a balance of {$570.00}, but no verifiable documentation has been provided to substantiate this debt. This violates my right to have only accurate and verifiable information reported. 
Failure to Verify Disputed Information : Despite my disputes, Consumer Adjustment has failed to provide verification of the debt within the 30-day timeframe required by the FCRA Section 611 ( 15 U.S.C. 1681i ). Furnishers are required to verify disputed information or delete it.

Violation of Accuracy Requirements : The reporting of this account with unverifiable and contradictory information violates the FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to ensure maximum possible accuracy of the information reported. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

Consumer Adjustment 's failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a vehicle lease with US Bank which matured as of XX/XX/year>. My online account at the time showed a credit of XXXX advanced payment, {$590.00} x XXXX = {$1100.00}. When I called in XXXX, speaking to XXXX, to discuss how to return the vehicle, I was told my account did show I was owed a refund once the car was returned. I returned the vehicle in good standing on XX/XX/year> to the dealership upon which I leased a new vehicle. 

I then called US Bank on XX/XX/year> to ask about the status of my refund, b/c the online account, which was still working, of which I can no longer access because US Bank XXXX XXXX showed they were still charging the {$590.00} and taking it against the {$1100.00} owed back. I told them the vehicle was return on XX/XX/year>. I was then told by the US Bank employee, XXXX, all I had to do was send in the returned lease vehicle 's odometer reading statement and once received, they would refund me the {$1100.00}. 

I then called today, XX/XX/year>, to ask status, and after being disconnected on purpose b/c I asked for a supervisor, I called back. I was given some ridiculous story about the {$1100.00} was put towards the money owed on the returned XXXX when no money was owed. The Dealership handled everything. I also explained that XXXX on XX/XX/year> told me once the paperwork was received, I would be refunded the {$1100.00}. I told the supervisor on the called US Bank has now stolen XXXX prepayments from me and XXXX my US Bank online account so I can't see the activities. She continued to blame me, alluding to account in good standing, of which I said the account was in good standing because there were advanced payments, and I returned the lease vehicle as of XX/XX/year> prior to the XX/XX/year> maturity date. She then proceeded to state the {$1100.00} was applied to the balance due on the lease vehicle, I told her nothing was due. She then said it wasn't their problem that I needed to call the Dealership about the missing {$1100.00}. I once again said I would be filing a complaint because US Bank stole the money owed back to me and lied, as well as XXXX the related online account so I could no longer see what they did. 

US Bank owes me the refunded overpayment of {$1100.00} and I would like to receive that payment. Therefore, my only recourse at this point is to file a complaint with CFPB.

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 monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ever since Truist assumed my mortgage ( XXXX XXXX ), I have had trouble with them paying my flood insurance from escrow. They have a policy that forces me to escrow moneys to pay for my flood insurance. I have requested that they let me pay the flood insurance, as I do with the property insurance, but they have denied my request. Every year, they pay my flood insurance late. This year, it was due on XX/XX/XXXX. They did not issue a check until XX/XX/XXXX. That was 4 business days prior to policy expiration date! Then they sent a bulk check to the wrong address. Now I am in my grace period ( 30 days ) and they still have not paid the premium! I am 2 days from policy termination ( XX/XX/XXXX )! They say that they have sent an overnight check, but it still has not arrived. For over a month, I have talked almost daily, to 12 Truist representatives, some multiple times, to try to fix this problem. If the check doesn't arrive by Thursday, XX/XX/XXXX, I will have to go pay the premium myself! 

They require, and I pay moneys into the escrow account in good faith for them to pay the flood insurance. For XXXX XXXX I have had the same issue of late payments from escrow. This year has been the worst! 

They way they handle my escrow payments are at best incompetent and reckless, at worst, fraudulent! 

I have requested to talk to a supervisor, but no one has returned my request!

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 2024-12-10 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: NJ

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 ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My capital account ended up closing a few months ago and I called about my funds being released and they said that they would be sent out. Weeks gone by and no close out check ever arrived. I ended up calling a month after and they told me that they escalated the case and the team would work on it.. more weeks and month go by and they tell me that the funds are still to be held and they will let me know when they release the funds. I asked when would they be released and they never gave me a timeframe? The clothes check was supposed to be a little over {$1000.00} and I still have yet to receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment with the persistent and unwarranted harassment I have endured from your company regarding a false account. 

Despite repeated attempts to explain that I do not owe any outstanding balance on a XXXX  account associated with my phone number, your representatives have continued to contact me multiple times each day. I have consistently informed your company that I am a current XXXX customer with the same phone number in question. 

To my further dismay, a collection account related to this false debt has been added to my credit report. This erroneous information is negatively impacting my credit score and causing significant distress. 

I demand that you immediately : Remove the false account from my credit report. 
Cease all contact with me regarding this matter. 
If you fail to resolve this issue promptly, I will be forced to take legal action. I will not tolerate this continued harassment and damage to my credit reputation. 

I expect a swift and satisfactory resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A complaint was filed against Experian for using stalling tactics regarding my disputes. On XX/XX/year> documents was submitted via the CFPB with attachments including copies of my document complaint # XXXX. Experian is saying they never received it, even though they changed my address. On XX/XX/year>, I again filed a follow up dispute and attache the same documents, CFPB claim # XXXX. Experian has my filed block where I can not access it, because according to the supervisor I spoke with after finally getting through after XXXX weeks, the documents was never sent to them by the CFPB. 
Given the fact that it is MY CONSUMER REPORT, Experian blocked access of my file where I can not access it, but creditors are able to access my file. Make that make sense Please see attachments! 

I also sent copies of the the CFPB complaints via CFPB to the General Counsel, Experian. The stall tactics being used by Experian is unacceptable. I understand that they are being paid billions of dollars by creditors to disrupt and destroy consumers lives, but it is unacceptable.

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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo locked my account with almost {$300.00} in it almost 2 months ago with no explanation. I have submitted all of the requested documents, but have gotten no response or any type of indication that they are making any effort to resolve this issue. They have told me to wait XXXX days multiple times, and seem to just be ignoring my requests. I want my money off their platform, and my account closed completely. I've request this more than once, and they refused to answer. I'm willing to sue them if needed, but would rather resolve this more easily. If a lawsuit is required, a class action would be more than possible as this is all too common. If you could help me make them release my funds, it would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for your letter dated XX/XX/XXXX, regarding my concerns about the XXXX XXXX  account ending in XXXX. While I acknowledge your prior response, I must reiterate and clarify my position. 

I have never alleged that this matter involves fraud. My dispute pertains solely to the unauthorized inquiry appearing on my credit report from XXXX XXXX XXXX, dated XX/XX/XXXX. Since I did not initiate this transaction, authorize the inquiry, or gain any benefit from it, the inquiry was made without a permissible purpose, in direct violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I request that you refrain from placing any fraud alert or related annotations on my credit report as this would mischaracterize my dispute and create unnecessary complications.

Under 15 U.S.C. 1681b, access to a consumers credit report is lawful only if : The consumer initiated a transaction. 
The consumer provided written authorization. 
There is a legitimate business need related to an existing account or transaction. 
Since none of these apply to me, the inquiry constitutes a direct violation of the FCRA. 

To resolve this matter, I request that XXXX XXXX XXXX : Remove the unauthorized inquiry from my credit report immediately. 
Provide written evidence of a permissible purpose or authorization if you believe the inquiry was justified. 
Compensate me {$1000.00} for violating my consumer rights under 15 U.S.C. 1681n, which provides for statutory damages for willful noncompliance.

If this matter is not resolved promptly, I will file a complaint in federal court for your violation of my consumer rights. Be advised that I will not settle to allow XXXX XXXX XXXX to keep this case private. This matter will become public, and everyone will have the opportunity to see how your company routinely violates consumer rights. 

Court proceedings will cost your company far more than the {$1000.00} I am requesting in compensation. I am giving you the opportunity to make this right amicably by addressing this issue without delay. 

Thank you for your time and attention to this matter.

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 2024-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/2024. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX  and trust and also a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/2024 I submitted a dispute for {$1400.00}. The bank claims to have conducted an investigation. I requested documents used in the investigation and the bank has failed to provide those documents.

Company response to consumer: Closed with explanation