vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One 360 Checking account has denied me the right to be added onto my spouses checking account as a joint holder. It has been two months when she sent an " Invitation Application '' to Capital One Bank. They have refused to verify me by my cell phone number and carrier for the last six years, my email address, my date of birth, and now my citizenship. Every time we are told to call back to confirm, we get another excuse from them that they can't ID me. I am an authorizer user on my wife 's Capital One Savor account. They have sent me a text to my cell phone number, and they are questioning my citizenship. I am retired from the XXXX XXXX, born in XXXX, OH, and have had a past Capital One credit account with this bank in my own name besides my wife 's. I was also denied by this bank because of a default in their system as an excuse. I get excuses from every single customer service reps I speak too along with inadequate help from all the managers I asked to speak with regarding this problem with Capital One Bank. I have even emailed their headquarters in XXXX, VA with no response at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX ****. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.

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 2024-05-10 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: NY

Complaint narrative:
Apparently, XXXX XXXX XXXX charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.

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 2024-05-10 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: NC

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: DISCOVER BANK
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
There was an error on first complaint this one is accurate. I also reject the offer sent to me XX/XX/XXXX which demonstrates the company is trying to pull the wool over my eyes and dismiss their malfeasance of not adhering to first settlement offer that I accepted in time per their date. Furthermore, asking for {$700.00} more and 2 payments a month is absurd. I will only accept the original offer as attached. 

On XX/XX/XXXX Net Credit offered to settle a debt of {$6700.00} for {$2000.00} in writing ( email ). I was instructed to respond by XX/XX/XXXX to which I did on XX/XX/XXXX that I accept. Same day, received Thank you for reaching out! The NetCredit Collections team has received your email and will make sure your inquiry gets the right attention. On XX/XX/XXXX, I was emailed In regards to your recent inquiry, the settlement offer your are referring to has expired as of XX/XX/XXXX. I immediately responded, Well I replied XX/XX/XXXX and your system acknowledged receipt of email. My only duty was to respond before expiration. Honestly, doesn't matter to me either way. Net Credit screwed XX/XX/XXXXuntil they were forced to comply with law limits. I paid quite a bit until I noticed the loan went up not down. The company did not respond directly about this but continues to send email regarding a personalized plan that included the entire debt with accumulation of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: 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 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, which is what Transunion did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) Under the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: KS

Complaint narrative:
In XXXX, my servicing lender was transitioned from Dept. of ed XXXX to Dept. of Ed. Mohela. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted Mohela and XXXX, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: KS

Complaint narrative:
In XXXX, my servicing lender was transitioned from Dept. of ed XXXX to Dept. of Ed. XXXX. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted XXXX and XXXX, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.

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 2024-05-10 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: NJ

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10 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: IL

Complaint narrative:
I AM GOING TO TYPE THIS AND HOPEFULLY ALL PARTIES INVOLVED WILL UNDERSTAND THE SERIOUSNESS OF MY INTENTIONS THERE ARE BANKRUPTCY CASES ON MY CREDIT PROFILE THAT I HAVE SUBMITTED DOCUMENTS TO THE CREDIT REPORTING COMPANIES, BOTH MYSELF AND THIRD PARTIES, TO SHOW PROIF THIS IS NOT MY CASE. AND THE ONE THAT IS MY IS BEING REPORTED INCORRECTLY!

BUT INSTEAD OF TAKING THE TIME TO REVIEW MY INFORMATION AND VERY THE ACCURACY, THE CREDIT REPORTING AGENCY JUST STATED THRIR RULES FOR REPORTING BANKRUPTCIES TO CREDIT PROFILES!

I HAVE SENT PROOF FROM THE BANKRUPTCY COURTS THAT I DO NOT HAVE ANY RECENT BANKRUPTCIES. ALSO THAT XXXX  XXXX  CASE FROM OHIO WAS DISMISSED.

I DO NOT KNOW IF THE CREDIT REPORTING AGENCY, SPECIFICALLY EQUIFAX IS BEING VINDICTIVE OR RACIST. ALL I DO KNOW IS THAT I AM PREPARED TO GO TO COURT. 

THE LAWSUIT WILL BE AGAINST EQUIFAX, XXXX AND CONSUMER FINANCE.

THE LAST PROOF THAT I AM SUBMITTING TO YOU AND THE C
REDIT REPORTING AGENCIES IS THAT THE US BANKRUPTCY COURT HAS A INFORMATION TELEPHONE LINE WHERE YOU CAN CALL AND VERIFY BANKRUPTCY INFORMATION. THE NUMBER IS ( XXXX ) XXXX. THIS NUMBER IS ESTABLISHED BY THE GOVERNMENT! THIS INFORMATION LINE LIST ALL BANKRUPTCY INFORMATION! 
YOU HAVE MY INFORMATION AND ALL ACTIVITIES WILL BE VERIFIED. 

I AM GIVING YOU 30 DAYS TO FIX MY INFORMATION OR I WILL SEE YOU IN COURT! 

BANKRUPTCY IL 2021 XXXX XXXX - NOT MINE BANKRUPTCY OH XXXX XXXX - DISMISSED FOR PAPERWORK SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My social security number was used to open several accounts online with M & T bank.

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 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
This complaint is for the CFPB to investigate the security level of customer information/financial protection systems that loan processing and online money transfer companies like Upgrade Loans and XXXX have XXXX place. I was victimized today with fraudulent invoices for payment from companies after I had contact with XXXX and Upgrade Loans. Today I received solicitation for loan application from XXXX on behalf of Upgrade loans. I went on Upgrade 's website and setup an account after which I was guided through the selection and application process for a loan. After entering the desired loan amount and other information such as SS #, phone #, address and income I received specific of the loan. Upon review I decided that the loan was not what I wanted, so I logged off without completing the loan process. At that point I sent a message to Upgrade loans, via the XXXX email thread that I was no longer interested in applying for a loan and it should be discarded. But almost immediately after I received an emailed invoice for payment from a company with which I have no account. I responded accordingly stating that they should remove that email which they did. However, very soon after another email was sent with a XXXX invoice from a XXXX account for payment of {$440.00} XXXX exchange. I immediately contacted XXXX and as I was stating the purpose for my call the XXXX hung up. I then tried unsuccessfully to contact XXXX and Upgrade by telephone and failed. I then called my bank and notified them about the fraudulent XXXX invoice. However, after hours of trying to contact Upgrade I finally was able send an email to their automatic payment system restating that my application should be discarded and I needed a response from them. I have since received an email that there is no active application in my name on Upgrades system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am stuck in a loop trying to verify my identity with Citi 's fraud prevention department. They don't use any reasonable information like SSN, address, previous addresses, and have ruled out my phone number based on their algorithm even though it's the only phone number that has ever been on the account and I've had the account since 2015. They only allow me to verify my identity with using a letter that they will send me. I've already gone through this process a week ago, and then when I went to add my new card to my digital wallet, they flagged me for fraud again and now I have to do this whole process again that takes 10 days because they won't accept any other form of verification. The letter that they sent last time didn't even have a specific code or anything on it, it was just a generic letter saying I should call the fraud department. They when I told them that, they were then able to verify my identity using my phone number. But that same phone number isn't good anymore a week later. It makes no sense. I tried calling the executive resolutions department and just got their voicemail.

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