vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: MI

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 XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1900.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reached out to the credit bureaus and asked for the verification of the information and was told that the bankruptcy court verified the information. Bankruptcy supplied me with a letter stating that THe bankruptcy court oldies not supply either credit bureau with personal information nevertheless any information. When I mention that I had a consumer Law Attorney! I was then told my the credit bureau that a third party supplied them with the information. I gave no one permission to buy, sell or obtain any personal information or information. The information has to be provided by the actual creditor or bankruptcy court itself to the credit bureau. I have reached out to a Consumer Law Attorney for further guidance as well. I have been going back in forward for a very long time. Also, equifax keep saying that my account is fixed. I cant even review anything thats on my credit without going through the XXXX portal that I have to pay {$24.00} a month for, which then leads me back to equifax. I just reached out to them today to ask for them to delete my entire account so that I can be able to set up a new one to keep a check on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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. 

Account Name : XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$2600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$8400.00} Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$6100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I closed my High Yield saving account with Marcus, Goldman Sachs on Friday, XX/XX/year> and requested an expedited check. The rep gave me case # XXXX and explained the check processing and tracking number would be available in 1 to 3 business days. We are passed that time frame now and I have been calling every 2 hours to get answers and they are holding my money hostage with NO answers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 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.

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 2024-08-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim with Bank of America 's XXXX and was denied for no reason. They said my proof doesn't show it's because my account was frozen that I was evicted and it absolutely does. They say their decision is final and I can't appeal and that makes no sense. Especially since you're not allowed to talk to anyone. Of course Bank of America is going to get a away with what's been done and I'm still XXXX thanks to them.

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 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Right before the pandimic hit the United States my car payment were being return from the loan place that I had a contract with " Gate Way Lending ''. After the second payment check was return I called and I was infromed that this company or department was no longer serviceing the loan and the new company would be intuched. So I never recived a welcome packet or letter from the new organization that assumed the loan. The pandimic hit and finally found out the after calling to find out whom I was suppose to pay. 


Santander Consumer USA so I send the remaining balance to this company. Know years latter I find them on my credit report, with negative reporting. Incredible. Need to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently purchased A copy of my consumer credit report and learned that I have many unauthorized hard inquires hurting my consumer credit report. I did not authorize ANYONE to MIS-REPORT or fraudulent use my social security number for any purpose or matter without my written consent please have every inquiry removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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 am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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 non-monetary relief
Consumer complaint received 2024-08-13 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:
Somehow my dad 's personal and credit information was added to my credit report profile. His date of birth and last four was added to my report with my name. Several lines of credit was added to my credit report ; some of it derogatory with open dates much older than me. Also, my entire name became his middle name on his report. They managed to correct his date of birth and social, but not my report. 

I have only one line of credit open ; XXXX XXXX. ALL other credit is his NOT mine. It is effecting my ability to get credit, my own apartment, and employment.

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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This Claim is in response and coupled with CFPB.gov complaint number XXXX. The prior complaint number listed was unjustly closed out by the CFPB as the Dishonorable actions by CAPITAL ONE were done to hinder, delay, not comply to the complaint submitted by I, an aggrieved man, the implied XXXX of XXXX XXXX XXXX have tried repeatedly to correct the misinformation being reported on the consumer reporting of this account XXXX XXXX XXXX XXXX which was closed down haste. A settlement for the amount outstanding was submitted once in XXXX of XXXX in the form of a REMITTANCE COUPON. 
XXXX of XXXX CAPITAL ONE issued a statement not reflecting the REMITTANCE COUPON debt Set/Off as provided by any and all credit, loan providers. Another REMITTANCE COUPON was mailed in XXXX of XXXX and still no reflected settlement amount on the statement to demonstrate any amounts or balances to reflect the su'bmittal of said debt set off remittance coupon as provided. Upon CAPITAL ONE 'S closing and chargeoff status updated to corresponding consumer data furnishing companies.

A 1099-A was then filed via IRS form online to acquire the debt from CAPITAL ONE who which should have already filled, filed, submitted and mailed a copy to I, in the form of a 1099-C. Upon request CAPITAL ONE still has not provided nor acknowledged such a form or credit the prior 2 remittance submissions and IRS form submission in the form of an 1099-A. Instead LIED about a person named in last complaint was not listed or recognized and a signer, representative to legally be able to conduct any form of business. Who that individual is still has not been named or pointed out to myself. Nowhere listed on any documentation that CAPITAL ONE mailed has any evidence demonstrating this alleged person. 
This COMPLAINT HAS NOW BECOME A BILLING DISPUTE ERROR. CAPITAL ONE and corresponding consumer reporting companies must update the status of this account immediately to show as not charged off, no late statuses, no amounts in the form of late fees, interest, etc any related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account Number:XXXXXXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
A few weeks ago I purchased a Visa gift cards loaded with {$500.00}. When I tried to use it, it never works. It declines any attempted transaction. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy and paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times several cards will decline, and will not work even with future attempted purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

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 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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Today I woke up and checked my credit report and this account that Im reporting is still reflecting on my credit report, Iam reporting that it be deleted and blocked from my report its affecting my credibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My loans from Nelnet were paid off in XX/XX/XXXX and they are still showing with an open balance on my credit reports. The last time they updated was XX/XX/XXXX. 

The current wait time to call them is over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MO

Complaint narrative:
After reviewing my credit report, I discovered unauthorized accounts. I request that these be removed as they are damaging my ability to obtain credit. 
XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX6XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$680.00} XXXX XXXXXXXX - XX/XX/XXXX - {$400.00}

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