vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I did not have enough money in my checking account to fully cover my credit card bill, so my payment did not go through. On XX/XX/XXXX, I received an email from Capital One stating that my payment did not go through on XX/XX/XXXX ; however, when I went online and checked my account, it showed that my payment did go through. Just in case, I tried to make a payment for the amount due, but the Capital One website would not allow me to make a payment, saying it was more than 10 % larger than the amount due on my credit card. This was a very confusing situation. As a result of my not being able to pay off the amount due, I was subject to a greater interest payment. I was able to call Capital One customer service and eventually have them return my fee and interest penalty payments ; however, this poor user interface design and lack of communication between Capital One 's credit card department and online banking results in increased hassle and confusion for the consumer, many of whom will just pay the interest and fees and not persist in calling Capital One 's customer service line. The incorrect information shown in the online banking website seems fraudulent in this era of fast computer communications. There is no excuse for it, other than wanting to take more money in interest from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-11-19 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: Experian Information Solutions 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 U.S.C 1681 Account Name and # 's XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) Have violated my rights. 
15 U.S.C. 1681 section 602 ( A ) States that I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section ( 2 ) It also states that 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 than records of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C. 1681s-c ( 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 explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Background : On XX/XX/year>, I requested wire transfer of {$3200.00}. However few weeks later, the promised work was not done and was cancelled On XX/XX/year> I contacted my Ally bank requesting to cancel my domestic wire transfer on XX/XX/year> and refund {$3200.00} back to my Ally bank, however XXXX days later the bank has no information for me other than Reference # 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 2024-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I am a XXXX XXXX that received student loan assistance from my employer. My loan servicer ( Mohela ) received and endorsed a check for approximately {$8300.00}. This payment was received this payment XX/XX/year>. As of XX/XX/year> this payment has yet to be applied to my account. After at least XXXX  times calling to check on the status. A supervisor of Mohela ( XXXX ) ID # XXXX informed me that my payment was applied to another loan borrower account. According to XXXX, the other loan borrower account, to which the payment was made, we share the same XXXX name but different last names. In addition, my first name, middle initial, and last name and the last XXXX of my SSN was listed on this on the check. I am seeking assistance with this matter as this is fraud. Hoping I can recoup the funds that are meant for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a letter from XXXX about an application for credit. I have never dealt with XXXX and did not make this 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 2024-11-19 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: IL

Complaint narrative:
I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information. 
On XX/XX/XXXX, I received a credit report from Equifax, reference number # XXXX, which includes an unauthorized inquiry made by XXXX XXXX on XX/XX/XXXX. 
I filed a dispute requesting the removal of this inquiry, as I never authorized it. There is no contract, verbal agreement, or written consent from me to justify this inquiry. In response to my dispute, Equifax provided the following statement as part of the Dispute Results : " The results are : An inquiry is a factual record of all companies that accessed your Equifax credit report. If you think that the inquiry was not allowed by you, please contact the company that made the inquiry. Please contact the creditor directly and follow their fraud procedures. '' This response demonstrates Equifaxs failure to address my dispute adequately or provide evidence of my authorization for the inquiry. Instead, Equifax shifted the burden of proof onto me as the consumer, requiring that I resolve the issue with the creditor, which is contrary to the requirements of the FCRA, specifically : Section 604 of the FCRA ( 1681b ) : Prohibits inquiries on credit reports without explicit consumer consent or a permissible purpose.

Section 611 of the FCRA ( 1681i ) : Requires credit reporting agencies to conduct a reasonable and thorough reinvestigation of disputed items. 
By failing to provide any proof of my authorization or conducting an adequate reinvestigation, Equifax has violated its legal obligations. 
The unauthorized inquiry has negatively affected my credit score, damaged my financial reputation, and caused significant stress. It has limited my ability to access financial products on favorable terms, creating unnecessary inconvenience and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my XXXX. I would like to receive my XXXX Cancelation of debt, if the bank can not provide this Cancelation form XXXX within XXXX  days, the charged off need to be remove from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
Chime Bank has multiple withdrawals from a atm that was fraudulent I sent the official police report they keep saying no error occurred when fraud occurred the transactions equaled out to $ XXXXthese transactions started on XX/XX/year> and stopped XX/XX/year> they gave some funds back but not all I have been re disputing and trying to to get my funds back since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to address an issue concerning the reporting of a debt associated with my Discover credit card account, account number XXXX, I have noticed that this account continues to be reported as outstanding on my credit report, despite the fact that I received a XXXX form indicating that this debt was written off as a loss for tax purposes. 

Given these circumstances, I have no recieved clarification on the following points : XXXX. Debt Status : this debt has been written off and reported to the IRS, I believe it should not continue to be reported as an outstanding balance on my credit report. Please confirm the current status of this debt. 

XXXX Credit Reporting : I request that you review the reporting of this account to the credit bureaus. If the debt has indeed been forgiven and reported as a loss, please ensure that it is reflected accurately in my credit report. 

XXXX. Documentation : I was provided documents that I submitted that supports the current status of this account, including details related to the XXXX form issued. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I never authorized this account to be opened in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
XXXX XXXX XXXX was removed from my credit report by TransUnion and all other bureaus, and for unknown reason TransUnion added it back onto my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX  XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data. 

Details of Discrepancies XXXX. Inconsistent Closure Dates : According to XXXX, the account is reported as closed on XX/XX/year>, while Experian does not list any closure date, and XXXX provides inconsistent reporting. 
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency. 
XXXX. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/year>, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors. 
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly. 
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year> and XX/XX/year>, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate. 
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution. 
XXXX. Dispute Resolution Timeline : Both Experian and XXXX note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated XXXX period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA. 
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes. 

Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ). 
Provide me with an updated credit report reflecting corrections. 
Inform me of the results of your investigation within XXXX  days, as required under the FCRA. 


Proof of identity is attached below

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against Experian regarding their repeated failure to address critical issues related to my credit report, which involve my status as a survivor of XXXX XXXX Despite my compliance with all required procedures and multiple attempts to resolve this matter, Experian has failed to take appropriate action, violating my rights under XXXX XXXX XXXXXXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : Failure to Address Requests : My initial request to Experian, along with all required documentation, was sent in XX/XX/XXXX. A return receipt for this submission was received on XX/XX/XXXX, confirming they received my request. Since then, I have made XXXX additional attempts to submit supplementary documentation to facilitate the resolution of my case. These subsequent attempts have been ignored or mishandled, with no clear acknowledgment or action on XXXX part. 

Failure to Remove Negative Items Associated with XXXX  : I have requested the removal of derogatory marks on my credit report that are directly tied to coercive and fraudulent activity during my XXXX  experience. Despite providing adequate documentation, Experian has failed to act in accordance with their legal obligation under federal laws designed to protect survivors of XXXX  XXXX. 

Noncompliance with Federal Law : XXXX XXXX XXXX XXXX XXXX  of XXXX explicitly requires credit reporting agencies to assist survivors in clearing debts and fraudulent accounts tied to their exploitation. XXXX lack of responsiveness and refusal to remove these fraudulent items violates this law and the protections afforded to survivors. 

Unresponsiveness and Delays : XXXX ongoing lack of action and communicationdespite my XXXX attempts since XXXX a disregard for my rights and well-being. 

XXXX  and XXXX XXXX XXXX This prolonged inaction has caused significant XXXX XXXX and XXXX XXXX, hindering my recovery and ability to rebuild my life.

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