vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Self Financial Inc.
State: NC

Complaint narrative:
Self lenders said that I had an account in which I never had an account with them! I was a victim of XXXX XXXX.I provided police reports and all documentation that was need to show inaccurate information.It was in the amount of XXXX account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We deposited a certified bank check into our business checking account at Webster bank XXXX XXXX XXXX XXXX, XXXX on Friday, XX/XX/2024. The teller, XXXX, told us that the funds would be available on Tuesday, XX/XX/2024. We Called the bank on Wednesday, XX/XX/2024, and spoke to XXXX. XXXX told us that the funds would be held for XXXX days since it is a new account. This was a certified funds bank check. As of the current date, we still do not have access to our funds in our business account. When we opened the account, we were told that deposits would be available in XXXX business days. We would not have opened the account if we knew we would not be able to access the funds. We are running a business and can not pay our business expenses due to the bank not releasing funds on a certified check. The bank misled us when opening the account and when making the deposit, and it is now affecting our business operations. We have not been able to get anywhere with the bank, as they have not been of any help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I originally had Kohls charge card from a couple years ago. I did not use it for some time ( like a year I think ). Kohls closed my account without my knowledge. 
OnXX/XX/2024 I made XXXX purchases online, XXXX for {$140.00}, and XXXX for XXXX. 
Because my old account was closed, the website auto-generated me a new acct number and card number, which I was not informed of. I still thought I was using old account. Later, they claimed I was supposed to receive a new card but they never sent it. On XX/XX/2024 I made an in store purchase of {$90.00}. I gave them my name, drivers license, and social security number and they put it on the newly generated account # ( for the card I didnt have. See it supports I dont have card because I had to give them all this info. ) Since then I have received multiple paper bills about the debt. I have gone online and on the phone to try to pay the bills. At least XXXX times over last few months. Here is the problem ; MY NAME AND PHONE NUMBER IN THEIR BILL PAY SYSTEM IS STILL TIED TO THE OLD ACCOUNT WHICH THEY CLOSED WITHOUT TELLING ME. 
THE CHARGES ARE ON A NEW CARD I NEVER RECEIVED. 


When I call on the phone I give them my name, address, phone number etc, and every time they say : You have no bill to pay. Our records say you have no debt and your account is closed. 
I tell them I keep getting bills and they ask for the card number. I dont have card number bc I never received it. I TELL THEM I HAVE THE NEW ACCOUNT NUMBER ON THE PAPER BILL. The phone representatives always say they can not access via account number. They can only use name, address, social security ( which always comes up tied to old account and {$0.00} owed. ) So I decided to try to pay online. Same issue. To access the system you MUST enter card number ( which I never received ). 
I have tried to contact them every way I can and pay the bill but there is no way to do so in their system. 

KOHLS REPORTED ME FOR NON-PAYMENT. Now I have debt collectors calling me day and night from all sorts of random phone numbers to get money. But they never call from Kohls. Their numbers always come up on my phone as scam likely or hidden number and they tell me to just give them my social security number and bank account number and they will transfer money to kohls from my account. Im not giving my info to some random person on the phone claiming to work for debt company but can not even provide accurate info. Thats how people get identity thefted. 

I have called kohls many times in last XXXX months, with my paper bill in my hand, reading them the bill info, and they still say there is now way to help me without card number, even if I have account number. I have dealing with this for months. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
EXPERIAN has failed to conduct a proper investigation into derogatory account XXXX XXXX and XXXX XXXX XXXX.I have sent multiple disputes and requests for method of verification in accordance with 15 USC 1681i ( 7 ) which mandates that Experian provide me this information in 15 days or DELETE this erroneous, inaccurate, and incomplete accounts.Experian has sent me several " status '' letters acknowledging that they have received my disputes, but stating they think it was sent by someone else.I contacted Experian on XXXX, and XXXX over the phone and spoke to representatives and informed them that it is me who sent in the disputes, yet Experian continues to violate FCRA laws by continuing to report information that has yet to be verified.I have pointed out several FCRA violations.This is not another request for an investigation or an opportunity for Experian to attempt to correct any errors.This is a demand to DELETE derogatory accounts with XXXX XXXX and XXXX XXXX XXXX as they're are inaccurate, incomplete, and unverified hence why Experian has not sent me any method of verification or proof of these alleged debts.Experian AGAIN has updated these derogatory accounts to my credit report today which violates 15 USC 1681e ( b ) .Experian is to pay me {$1000.00} for these FCRA violations to be mailed to my address on file.

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 2024-05-03 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: GA

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 XXXX5 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-05-03 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: FL

Complaint narrative:
I reviewed my credit report in XXXX  2024 and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After XXXX letters were sent ( in XXXX 2024 and XXXX 2024XX/XX/year> ) the information remains incorrect in my reports. 

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.

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 2024-05-03 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: NY

Complaint narrative:
Payments to account reporting late violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Per FCRA 605B, we're obligated to erase any inaccurate accounts from my credit report. Would you be able to review the documents? There are discrepancies in some of the listed accounts regarding reporting, including inaccurate amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. Also, please update and remove my ex-employer ( XXXX XXXX ) whom I've no longer worked for. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: GA

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-05-03 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-03 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
Despite my repeated attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: OH

Complaint narrative:
The ONLY acceptable resolution to this problem is a deletion of the trade line. They changed the reporting on Equifax to make it look even worse. Now, instead of a bunch of 120 day lates, there are a bunch of 150 day lates! This is pure retaliation and I'm considering hiring an attorney and letting them handle it. XXXX IS VIOLATING FEDERAL LAW. I will continue to do a new complaint every month until this is resolved. It doesn't take 60 days to click a button to delete this fraudulent account. 
Equifax keeps validating it and not taking me seriously. 

I'm doing everything right and still being punished after I was promised this would be taken care of. Get rid of it now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In addondance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
Remove these inquiries, please. I don't have any information about them, and the company did them without asking me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX ( XXXX ) sent me a check ( {$4300.00} ) at XX/XX/2021. 
According to XXXX record after 2 years of investigation, Bank of America was XXXX  ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/2021. 
I have never had Bank of America account. 
I need information how the check payable to me was handled at Bank of America as 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 2024-05-03 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:
FCRA 605B stipulates the necessity to eradicate any flawed accounts from my credit report. Could you please assess the documents? Several listed accounts display inaccuracies in reporting, such as incorrect amounts and dates.

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 2024-05-03 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: TX

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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

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

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