vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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 have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 

I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible.

Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals. Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies. This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a thorough investigation to be conducted within 30 days of receiving this letter. I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report. I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies. Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: SLM CORPORATION
State: NC

Complaint narrative:
My daughters college loans were with Sallie Mae and I have seen where their practices were deemed illegal. I feel I am owed compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: VA

Complaint narrative:
15 USC 1681 refers to a section of the United States Code related to the Fair Credit Reporting Act ( FCRA ) .Specifically 15 USC 1681 is the title of the ACT that governs how consumer credit information is collected, maintained and used.The FCRA aims to promote accuracy, fairness and privacy of consumer information contained in the file of consumer reporting agencies. EXPERIAN, XXXX AND XXXX INFORMATION BREACHED, FTC REPORT ATTACHED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MULTIPLE ACCOUNTS, XXXX XXXX XXXXT @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXT XXXX NO RESPONSE, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ADDRESS THAT IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORTS. ATTACHED PAPERWORK. DELETE THESE ITEMS OFF MY CREDIT REPORT. NOT VALID INFORMATION HAS BEEN BREACHED MULTIPLE TIMES.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I tried use my XXXX credit cards in XXXX, where now I live, and Capital One Bank all the times asks to verify my identity, but according to the Bank, it is done only thru sending a code by US based phone number. 
I told them what I don't own anymore an US phone number, because I disconnected it when I came to live XXXX. 
I sent them twice copy of my XXXX  driver licence, I offer send copy of passsport, and still is no enough proof of my identity for Capital One Bank. 
I asked then, sending me the code thru my email address, and still they decline do that. 
Without that verify I am unable to use those XXXX credit cards, being my credit in good standing, always paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Theres an account we XXXX XXXX, that I have no knowledge of

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 2024-09-14 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, the are hurting my to obtain credit.

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 2024-09-14 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: NV

Complaint narrative:
Two dispute letters have been sent out but 1of requested inquiries were removed. No proof was provided to me that inquiries came from me.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. I want these items immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX  Account Number # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.

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 2024-09-14 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: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
In XXXX, I requested USAA to add my wife, XXXX to my checking account. What followed was a series of 5 denials by XXXX XXXX. The first denial was the only legitimate one, XXXX had forgotten to date her ammended signature card.That was corrected, and sent back electronically, USAA confirmed receipt on XXXX XXXX XXXX, however requested the same form 2 more times, which I corrected, and sent electronically, and USAA received XXXX he then sent a letter denying the request, claiming he " didnt know what the request was for '' .At this point, I realised that XXXX XXXX wasnt simply incompetent XXXX but was retaliating for the XXXX complaint I filed against USAA. The next denial was because they claimed they didnt have my ammended signature card on file, so they sent me one, and I filled it out, and sent it back. Having run out of excuses, XXXX XXXX, again denied my request, claiming he was missing one of XXXX 's pages that he received back in XXXX. I believe that page can be found in the bottom of XXXX XXXX 's paper shredder, if it hasnt been emptied yet. XXXX XXXX is USAA 's " VP of Operations '', and it is scary to observe the ease with which he lies, he is a man with no moral compass, and has created a problem where there was none. XXXX XXXX has expended some effort in preventing a veteran from adding his wife to his checking account, it seems like that is the opposite of what a " VP of Operations '' should be doing. Not a good look for USAA, especially since my wife, XXXX is XXXX, some people might think XXXX XXXX is a 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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
According to 15 U.S.C. 1692C you have violated my rights by in lawful communications. Please remove this account from my credit report. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I went online to make a payment or check my balance in the month of XXXX and saw multiple charges on my credit card for the amount of XXXX XXXXI immediately called them and it was a Sunday and their fraud department was not open.I then called them on The XXXX monday the following day to report the fraud.I got through and I believe his first name was XXXXThey won't provide their last name so I was told.We went though each charge individually.I was online in my account at the same time.They came from a site called XXXX XXXX XXXX.He looked it up and it came from XXXX, XXXX.I would never look in XXXX for anything.He filed the report on XX/XX/XXXX. I got a response in about 5 days from their office out of Ohio and printed the charges with a high lighter and sent the copies to the address the man gave me that day.They said they never got them, so i called the fraud department again. So I remailed the documents again. Now it's about may and nothing has been done.So after to more calls I Quit paying on my card and my card is now closed. This pass week I was in a conference call with the credit card company and to refinance my mortgage to resolving charges.They are still investigating as they said in that conference call.Now it's 9 months later and it still has not been resolved after four calls and two by mail.This all started after a security breach through XXXX who got my identity stolen SSI, address, name ect ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX XXXX  XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.

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 2024-09-14 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:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Complaint Details : This complaint is filed with the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the fraudulent information on my credit report within 4 business days of receiving this complaint. The fraudulent information includes the following Collection Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to several fraudulent hard inquiries and collections appearing on my XXXX credit report. I have attached a list of the hard inquiries and a copy of my XXXX credit report showing these fraudulent items. I do not recognize these accounts, collections, or hard inquiries and did not open, make, or initiate them. They are the result of identity theft and fraud. Attached is FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, verifying that these items are indeed 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 non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC
State: WY

Complaint narrative:
Company keeps trying to collect a debt that is not mine. This has been going on for years. I have already successfully disputed with credit agencies. I am tired of being harrassed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone committed fraudster activity at an ATM. They were able to ship a new debit card to their address and change the PIN. Chase reviewed it and believes the. Barges are righteous because a PIN was used when actually, the people committing the fraud changes the PIN without my consent or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I recieved a call from a man claiming to be with Emergent Servicing. When I answered the call i did confirm my name but when he said who was calling I asked what the call was regarding and he said debt collection. I asked who their client was as I didn't recognize the name Emergt but the agent refused to tell me any more information unless I further confirmed my identity. The agent began asking for my information which I told him I wouldn't provide unless I knew who his client was or more information. While I was still speaking to refuse the agent said ok and began telling me a date of birth and what i think was an address and then asked was this information correct. I still didn't confirm and only responded that I wouldn't confirm anything without knowing the client, as i didn't think that was the proper way for him to try to verify my identity. Before i could finish saying that the agent started speaking over me again saying he had my employer 's information and then hung up. This was the first and only call i have received from this number or someone claiming to be with Emergent but i am sure he was not supposed to tell me that information without verifying my identity nor should he be threatening to contact my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
***DONT USE BANK OF AMERICA CHECKING ACCOUNTS FOR PURCHASING FLIGHTS** On XX/XX/XXXX at XXXX I made a transaction for a trip with XXXX XXXX and the transaction did not go through. I called my bank and spoke with one representative XXXX and XXXX supervisor at around XXXX blaming XXXX of holding funds of approximately {$3300.00} ( which the total amount posted was {$3300.00} ). 

I then transferred and connected the B of A representative to a XXXX representative by phone. XXXX clearly indicated that they do not hold funds! 

Since XXXX my funds of {$3300.00} have been pending in which I have needed to remake a transaction of higher flight price to Delta, but my funds have been held hostage!

I can not run my business if the bank will hold my funds. This has caused the price of my transaction to rise hundreds of dollars.

Will Bank of America pay for this? If not, then what is a bank for? Only incompetence to it's customers?

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