vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
This company violated fair reporting act of 15 US C 1681 government access to consumer reports records and promoted accuracy, fairness and privacy of personal information. They have violated that because I never gave them permission to pull my credit report and then the information that they're providing even the report from you that they sent back to your company is fraud documentation I've been a victim of identity, theft and data breaches so everything in that 26 page report is fraudulent. It's fraud it's not accurate.

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 2024-12-31 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am trying to improve my credit score to purchase my 1st home as a XXXX XXXX XXXX TransUnion will not removed accounts that I have completely paid off and an account that was paid as a charge off. When I tried to get a loan to help my XXXX XXXX the bank denied it saving to many revolving accounts. I have currently paid off the following accounts in full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} There were also a few other accounts with XXXX XXXX I would like for the accounts to be removed to better my credit score. I also wrote XXXX XXXX and asked them to forgive give my late payments due to the XXXX timeframe of XXXX. I caught XXXX XXXX XXXX XXXX XXXX XXXX my husband suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-12-31 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: NC

Complaint narrative:
I am trying to improve my credit score to purchase my 1st home as a XXXX XXXX XXXX XXXX will not removed accounts that I have completely paid off and an account that was paid as a charge off. When I tried to get a loan to help my XXXX XXXX, the bank denied it saving to many revolving accounts. I have currently paid off the following accounts in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were also a few other accounts with XXXX balances. I would like for the accounts to be removed to better my credit score. I also wrote Capital One and asked them to forgive give my late payments due to the XXXX timeframe of 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 2024-12-31 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: PA

Complaint narrative:
I am writing to delete the following information in my life. the items i need deleted are in the report. I am victim of identity theft and did nit make the charge. I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance my lifestyle by getting certain things situated to help provide for me and my family.

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 2024-12-31 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: TX

Complaint narrative:
I did not authorize any of these inquiries and they were obtained fraudulently. 
XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I did not authorize any of these inquiries and they were obtained fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried several times to get the company to update/correct the status of my collection accounts : XXXX. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. After filing a dispute, the company just says the information was verified. All three accounts are listed as " Past due as of XX/XX/year> ''. Collection accounts are NOT allowed to be listed as past due. This is inaccurate information being reported which is damaging my credit even more.

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 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
In XX/XX/year> I received a letter from Marcus by Goldman Sachs that a joint savings account was opened in my name including a person I do not know. I immediately called customer service and was transferred to the fraud investigation department. I was told that the account would be closed, they would conduct an investigation and would get a letter stating that both were completed. I received a statement a few weeks later with an ending balance. I called again and asked for written confirmation regarding the investigation. The man I spoke with told me that they do not send letters out and assured me the account was closed. I asked to speak to someone in the fraud department, was put on hold, and then hung up on. I called back and finally spoke with someone in the fraud department. I was provided information on what I needed to do ( reports, etc. ) and was assured I would get a letter in 5-10 business days. I called a few weeks later stating I still have not received the information they are required by law to send me. I still have not received confirmation. I mailed them a demand letter with my FTC and police report asking for a letter confirmation and all information pertaining to the fraudulent account and was assured for the XXXX time I would receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
This company sent documentation that states that they purchased debt from a creditor in which I had the right to arbitration and figuring out the debt directly with the original creditor that is claiming that I owe them a debt. I have no relationship or knowledge in owing a debt to Spring Oak Capital. There is no signature that provides permissible purpose for Spring Oak Capital to report to my credit report or there is no paper trail via my signature to prove that I was given proper notice of having the right to dispute the debt with Spring Oak Capital prior to them reporting on my credit report.. At this point I am a victim of fraudulent activity. There is no authorization given by me for this company to have reported to the credit agencies in regards to me owning them directly a debt. They've also provided a Bill of Sale and blatantly have blocked out how much they paid for the debt. This means that the debt that they are stating I owe is not even the correct amount because a payment to the original creditor for the debt was clearly applied. What is the actual debt obligation that is being stated to have been owed? I am requesting this collection account to be removed from my credit report. It is in violation of 15 usc 1692e and 15 usc 1681b. This issue will need to be resolved immediately. I am also requesting a cease and desist which means that all forms of contact including the fact that you are reporting to my credit report as a form of contact be removed! Until proper disclosure and something that states that I authorized this account can be provided. You are in violation of the law. If you can not provide the instruments used to validate the debt that shows that I acknowledged this debt between you and I. Again, remove the debt or I will further exercise my right and contact my state attorney general and whomever else I have the right to contact in order to resolve this issue and hold you accountable for your unlawfulness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a charged off account but reflecting a account with a balance due and a balance limit. The accounts were charged off to collection agencys and yet they are still reporting innacruate information showing I have a balance due and a credit limit with both accounts. Both accounts have been closed for over 2 years! 

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 Account Status CHARGE_OFF Reporting a charged off account but reflecting a account with a balance due and a balance limit. The accounts were charged off to collection agencys and yet they are still reporting innacruate information showing I have a balance due and a credit limit with both accounts. Both accounts have been closed for over 2 years! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status CHARGE_OFF Reporting a charged off account but reflecting a account with a balance due and a balance limit. The accounts were charged off to collection agencys and yet they are still reporting innacruate information showing I have a balance due and a credit limit with both accounts. Both accounts have been closed for over 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
At the beginning of XXXX, the Army and Air Force Exchange Service ( AAFES ) informed me that my credit card debt of {$5000.00} would be turned over to a collection agency, XXXX XXXX XXXX, if not paid. Consequently, they initiated the garnishment of 15 % of my Social Security XXXX payments, approximately {$340.00} per month. This garnishment began around XXXX or XX/XX/year> and has continued through today, XX/XX/year>. 

However, AAFES has not reported these monthly payments to the credit bureaus. Despite filing three separate disputes to ensure these payments are accurately reflected on my credit reports, they have not complied. Notices from the U.S. Department of the Treasury confirm that these payments are indeed being garnished monthly, reducing the debt to {$2200.00}.

I request your immediate attention to this matter to rectify the reporting discrepancy.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have attempted to contact the U.S. Department of Education in regard to inaccurate information furnished on my credit report, via written communication at the address ( s ) listed on my credit report. I verified the address to see if it was congruent with information provided on their website and it was. My letters were returned as undeliverable. I disputed the information with the credit bureaus, and they responded with the information was verified and is accurate. However, the credit bureaus changed the address ( s ) furnished on my report as an address listed in XXXXXXXX XXXX At the time of this complaint, three of the credit reporting agencies are reporting something totally different. XXXX is reporting both of my student loan accounts as in collections as of XX/XX/XXXX and an address for the US Department of Education in XXXX XXXX XXXX with no actual mailing address. XXXX is reporting both of my accounts in collections as of XX/XX/XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX. When I sent written communication to this address, I received no response. XXXX has the information incorrect also. My account was paid in full and is not in collections. However, this information is hindering my ability to move forward with my personal and commercial endeavors. I need someone to look into this matter as expedient as time will allow. Thank in advance>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently reviewed my credit report and have noticed an inaccurate account from XXXX XXXX XXXX. According to the Fair Credit Reporting Act, I am entitled to dispute information I believe to be erroneous and fraudulent. There is no legal, binding contract with this company in which I have acquired goods or services. For clarity, I have not given my consent and have not provided my signature allowing my information to bought, sold or shared. Therefore, this company has no legal right to this account and my personal information.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft, and I believe an account was fraudulently opened in my name with XXXX XXXX XXXX, a XXXX  cardwithout my knowledge or consent. Unfortunately, I do not have access to the account number as this account was opened fraudulently. I am requesting your immediate assistance in resolving this matter. 

Here are the key details related to this issue : Actions Taken So Far : I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and filed a police report with my local law enforcement. Copies of these documents are attached for your reference. 

I have contacted the credit bureaus and placed a fraud alert on my credit report to prevent further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft, and I believe an account was fraudulently opened in my name with XXXX XXXX Creditspecifically, a XXXX  cardwithout my knowledge or consent. Unfortunately, I do not have access to the account number as this account was opened fraudulently. I am requesting your immediate assistance in resolving this matter. 

Here are the key details related to this issue : Actions Taken So Far : I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and filed a police report with my local law enforcement. Copies of these documents are attached for your reference. 

I have contacted the credit bureaus and placed a fraud alert on my credit report to prevent further unauthorized activity.

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 2024-12-31 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: CA

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. 

List of Unauthorized Inquiries : 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 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.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX the person made the XXXX with {$720.00}. 

XXXX I called the bank saying that the money left my account XXXX On XX/XX/year> I was in XXXX. I decided to stop by XXXX 's to have a soda and recharge my cell phone, but to my surprise my card was denied. That's when I looked at the bank of America app and saw that my account was at XXXX and that they alleged managed to access my personal account and make a XXXX to another account worth {$720.00}. I contacted the bank of America at XXXX but my cell phone was completely discharged, so I looked for somewhere to recharge it. 

I returned the call at XXXX where I informed that I had not been responsible for XXXX XXXX I wanted an explanation from the bank how the person made this transfer without my password. They provided me with another password to access the bank and change the password and that an investigation would be opened and that the money would be returned if the theft was proven. On Saturday XX/XX/year> I received a message from the bank sending me a code, I contacted again where I was informed that the operation was carried out on the XXXX at XXXX XXXX, I explained that it couldn't have been me because I called complaining at XXXX. So far they haven't been able to answer me about what happened, they say she may have gotten my email password and accessed the bank but they couldn't explain how she did it because I didn't give my password to anyone.

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