vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX under account number XXXX. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you. These accounts were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have Attached a copy of my FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2024-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This company send me a courtesy check saying that I will be reimbursed for losses because of bank of America actions they withheld over thousands of my edd money and made uneceasry charges on my account. I logged in I sent screenshots of all the things requested it's been months I still have not been reimbursed or my case hasent even been seen by them when I track the progress. Now I'm reading there was a deadline witch I made and still no compensation. I also have had this account closed now and bofa still hasnt sent me the money left on account.

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 2024-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
In XX/XX/year> I paid {$4400.00} to pay off the remaining balance of my HELOC. This was an overpayment of {$340.00} as listed on the next month 's statement, showing a negative balance of {$340.00}. To correct the overpayment, I issued myself a check from the HELOC for the credited amount owed to me. On XXXX XXXX, Pentagon Federal Credit Union issued a check to me for the same {$340.00}. As I had already resolved the issue by writing a check to myself for that amount, I did not cash their check to me. Pentagon Federal Credit Union began charging me interest on the check they mailed out as of the date of mailing, but they are charging interest on funds that were never actually distributed from their institution. I have called twice to resolve this and both times they insist that I still owe them the {$340.00} from the check that I never cashed. The check 's description says " Credit balance refund '' so there is no other reason for the issuance of the check. I have refused to pay the {$340.00} since the money was never in my account or removed from their institution and today I received a letter of delinquency stating I owe a minimum payment of {$100.00} and {$5.00} in late fees to cure the default.

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 2024-07-12 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: NY

Complaint narrative:
I have been checking my credit report regularly and keep finding a lot of errors on it, inaccurate information everywhere. This has been a regular occurrence on my report and my requests to correct it keeps getting ignored and it is extremely XXXX, it's XXXX my XXXX  and my credit score 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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Made a purchase through a third party period, XXXX. Spoke to the company that they stated they were affiliated with ( XXXX XXXX XXXX XXXX and XXXX ), and they stated that XXXX XXXX XXXX is a scam. I immediately reached out to Capital One to have the charge disputed they asked for documentation, which was provided, -an email from XXXX stating that the company was a scam, -an email from XXXX XXXX XXXX XXXX XXXX XXXX a handwritten letter from me. -I also submitted the contract from XXXX XXXX XXXX XXXX I advised them that they stated that in the contract that if within a 180 days the services were not rendered they would refund the money which now they're/ XXXX XXXX XXXX ) is avoiding our calls and have been since I started the dispute process, in XXXX. I've reached out to Capital One multiple times, they allowed the time to expire to get a refund through the dispute. I callend multiple times to get another dispute started and was told that they are following XXXX policies, so they cant open another dispute case, and that this case is closed. I stated that the company sent them documentation state showing where they actually offered the service but how was that possible when both of the companies that they are saying they are affiliated with say are saying that they are scams and they have no business dealings with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi provided me with a denial letter for their XXXX XXXX XXXXXXXX ; however, I did not submit the application. The letter is dated XX/XX/year>. I did not find this fraudulent application until recently because the letter was mailed to an old address. I saw on my credit report Citi conducted a hard pull on XX/XX/year>. 

I called four phone numbers, as I was consistently being told I did not have the right department : XXXX XXXX XXXX XXXX The individual who answered the call kept trying to cancel my existing card. I was trying to explain a credit card application was submitted under my maiden name fraudulently and I need to dispute this. I provided the information on the letter, including the Application ID Number. After, he disconnected the call without confirming the dispute details. He never confirmed any details.

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 2024-07-12 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: TX

Complaint narrative:
See the attached FTC report and remove the following unauthorized accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. Please remove this unverified collection account from my credit report : 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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This relates to XXXX different XXXX Card Accounts : XXXX XXXX card and XXXX XXXX XXXX by Barclay. Barclay took over from XXXXXXXX XXXX who originally had the card, and with whom I never had a problem. In fact, I never had a problem like this with any other credit card I've had. With XXXX, I signed up for a free trial on XXXX and cancelled well within the time limit, but they charged my card {$89.00} for a one-year subscription ( XXXX, XXXX ). As soon as I saw the charge, I called the only phone number I could find ( corporate, I think ) and left a message saying that the charge was wrong. I let Barclay 's know and started a fraud dispute with them ( XXXX XXXX & XXXX XXXX, XX/XX/XXXX ). In XXXX I tried to buy an airline ticket from XXXX to XXXX through a company called XXXX. I received an alert from Barclay 's saying it was fraud or a scam. I immediately cancelled the transaction through the credit card company and let XXXX know I wanted to cancel everything immediately. I also started a claim against XXXX through Barclays on XX/XX/XXXX ( XXXX XXXX & XXXX XXXX ). Barclays said they contacted both companies and that the company claims were legit! They sided with the fraudulent corporations! I tried calling Barclays on many occasions and wrote them a number of letters which included proof of the XXXX company being defunct. I sent copies of emails from both companies. XXXX said they would put the money back on my card and Barclays said they never did. I sent them proof of the confirmation from XXXX and spoke to supervisors with both the company and Barclays. The same XXXX. I both mailed and faxed the information from XXXX stating the company did not exist. XXXX all these months, I have explained repeatedly the fraudulent charges on these cards and Barclays should never have paid out these claims. They should have listened to me. In both cases, I wrote to them asking them to reopen the cases and including proof of the fraudulence of the charges. They have never listed to me on the phone or through the website when I have tried to communicate nor through the letters and faxed I have sent them. They have continued to ignore me and blow me off and now they're falsely hurting my excellent credit by saying I have not paid these fraudulent charges. XXXX even put some money back onto my card for the false airline ticket, and still Barclays doesn't recognize it it a wrong charge. I'm fed-up with trying to communicate with them and with XXXX. Please help take this off my report and restore my good and rightful credit. Thank you, 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 monetary relief
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXXXXXX - Inquiry Date : XX/XX/202XXXX XXXX - Inquiry Date : XX/XX/2023 XXXX XXXX - Inquiry Date : XX/XX/202XXXX XXXX XXXX - Inquiry Date : XX/XX/2023 These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXXXXXX - Inquiry Date : XX/XX/year> XXXX - Inquiry Date : XX/XX/year> XXXXXXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: 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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-12 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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-07-12 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: 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. 

Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX and 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 2024-07-12 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: 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. 

Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX and 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