vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: 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 name : 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 an 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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I had an account with Barclays, I was Severely impacted by XXXX and a XXXX XXXX XXXX  once I was out the XXXX  I called and paid all of my debt. On XX/XX/year> I called and requested a pay for delete off my credit report with Barclays. I also requested a letter. They stated that it will come in the mail after I pay my balance of XXXX. I never received the letter in the mail and Barclays continue to report inaccurate late payments after the settlement. I have filled multiple disputes, I spoken the Representatives at Barclays Multiple times They told me they do not do anything required, reporting, and they send me over to a company called XXXX XXXX XXXX. I have called and spoke to XXXX XXXX XXXX, and they told me the same thing that they do not do anything with credit reporting and send me back over to Barclays. I have Requested my statements, since I no longer have online access, and I have not received them. I have disputed with the credit bureaus and requested a full investigation so thay update my accounts is verified That it is showing accurate. Nothing is getting resolved. The account is still showing different in accurate information from all three credit bureaus I am requesting that the count is erased completely off 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 2024-01-28 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: IL

Complaint narrative:
sent in request to XXXX  to validate debt and remove inaccuracies off reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Urgent Request for Assistance : Account Creation and Credit Report Access Issues Dear Experian Support Team, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered while attempting to create an Experian account and access my credit report through your platform. 

When attempting to create an Experian account, the system indicates that I already have an existing account, despite never having created one before. To resolve this, I proceeded to reset my password. However, upon providing the required information ( email address and last four digits of my social ), the system responds with no information or account registered with that email address or social, creating a contradictory situation. 

Moreover, I found it perplexing that I could successfully obtain my credit report from Experian using the same information on another platform, XXXX. The discrepancy between the two experiences raises concerns about the functionality of Experian 's account creation process and system reliability. 

I kindly request your immediate attention to rectify this situation as it is hindering my ability to access my credit file through the Experian platform. I understand the importance of accurate credit reporting and value the services Experian provides. I trust that your team will investigate and resolve this matter promptly to ensure a seamless experience for your users. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving the issues I have encountered. 

Sincerely, 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 2024-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America stole XXXX some odd dollars from me that say that they closed my account and was going to send me a check with my money did all they then they never did all I keep getting is my bank account statement saying how much is in my account and so when I went into the bank they just keep giving me the runaround

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 2024-01-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XX/XX/2023 certified mail # XXXX. Requesting all documents/ agreements and or contracts between myself and or Shell Point . An affidavit of Truth stating they were that they were including a copy of the promissory note. All statements and documents needed to be notarized under oath. 
I have stated I have never entered into a contract/ agreement with this company nor have I ever heard of this company. Valid Proof of fiduciary agreement between myself and this company. 
included a notice of intent and fee schedule. 
USPS delivered these documents to Shellpoint on XX/XX/2023 at XXXX XXXX I have received the return receipt from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
THIS COMPANY IS TRYING TO COLLECT A DEBT FROM ANOTHER COMPANY THAT WAS OPEN VIA 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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Urgent Complaint Regarding Account Closure and Negative Impact on Credit Reports Dear Capital One Customer Service, I am writing to express my deep dissatisfaction with the recent closure of my credit card accounts with Capital One, which I have held for over 20 years. As a loyal and long-standing customer, I have always valued the services provided by Capital One , but recent events have left me extremely disappointed and frustrated. 

The reason for the closure of my accounts, as I understand it, stems from a series of inadvertent errors in my payment process. On multiple occasions, payments were incorrectly made from my Capital One checking account, despite my intention to use my XXXX XXXX bank account for transactions. As soon as I became aware of these errors, I promptly rectified the situation by making payments from the correct account. 

However, to my astonishment, I received no prior notice or warning from Capital One regarding the potential consequences of these payment errors. Instead, I was informed that my credit card accounts had been summarily closed, without any opportunity to address the issue or rectify the situation. This unilateral action has had severe repercussions on my financial standing, leading to negative impacts on my credit reports and causing unnecessary distress and inconvenience. 

As a valued customer with a long history of responsible financial management, I am deeply troubled by the lack of communication and the disproportionate response from Capital One. I have always maintained a positive relationship with your institution and have never encountered such drastic measures for unintentional errors in the past. 

Therefore, I urge you to reconsider your decision and kindly request the immediate reopening of my credit card accounts. I am committed to resolving any outstanding issues and ensuring that such errors do not recur in the future. I trust that Capital One will recognize the importance of customer loyalty and extend the courtesy of reinstating my accounts without further delay. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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:
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 : 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 an 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 2024-01-29 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: KS

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 2024-01-29 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: KS

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: IL

Complaint narrative:
sent in request to transunion to validate debt and remove inaccuracies off reports

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 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I called the debt collection agency and explained the account was not opened by me and explained how I was positive of the fact. Also informed her that at the time the account was opened I was fully insured and that would have paid any medical bill. Proceded to get any and all information they had that I opened the account and was told I needed to pay {$1.00} so they could access all three credit agencies to see if there was any information that was inaccurate or was different than what they had.

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 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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 transactions or experiences between the consumer and the person making the report ; 936 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. IM DEMANDING THAT YOU UPDATE THIS ACCOUNT TO PAID AS AGREED/NEVER LATE THANK YOU IN ADVANCE.

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 2024-01-28 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: NY

Complaint narrative:
Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from Equifax such as XXXX XXXX XX/XX/2023, there are also two addresses reporting to Equifax that I have never lied or have no connection to, that I would like to remove and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Addresses I would like to remove is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I was paid by my job. And thats when someone from US bank authorized a {$2000.00} at XXXX. I was not notified of this amount being taken out of my account until I logged into my app on Friday XX/XX/XXXX. When I immediately noticed this, I contacted my local branch. They couldnt tell me the location of the bank this had occurred in and transferred me over to their fraud department. I was advised to head over to a branch and file official paper work regarding the matter. All that was done at the time was my account became frozen. Following that conversation I initiated a police report and was able to file report on Saturday, XX/XX/XXXX. My documents were sent over to their fraud department. I was able to open a new account and transfer what was left remaining of my money into it. However, I never heard back from them once since then. Until I made a call to them two weeks after having sent my paper work. I was told that these cases take up to multiple months. And that they are currently working on getting as much information to build a case. Im honestly distraught because I have trusted them with my service for years, and it seems that I am really receiving the short end of the stick. I am not sure how in the world XXXX can be taken out of my account without having been showed an ID. Or why the bank where this had occurred in was not brought into this discussion. I will NOT be recommending this bank to anyone. As someone who has been a loyal customer I am completely appalled by their negligence with my money. I was told that if any updated information was found I would be sent something in the mail. It has passed almost two whole months. And still I have no information. I live in XXXX XXXX, and the bank that allowed for this is located in XXXX XXXX IL in XXXX. It is about XXXX miles away from my home, and I have never set foot in that area. I am tired of waiting and not hearing anything back regarding my isssue.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My name is XXXX XXXX. I'm writing this complaint because Bank of America has closed my account for no reason because I asked them, what was the reason for it? And they say, just because we can. Give you no reason. We can close it whenever we want. And that's what it says in our contract. And I keep asking him and calling on why they close my account, and they never told me why. And also, they have a critical. and my name that I already got charged off. So they already wrote him off on the Texas. But yeah, they're still charging me and sold my information to another debt collector and declaration called me and I never. received already consent letter from them about releasing my information. XXXX was over XXXX years old. And this is affecting my credit report significantly because they put the negative remark on My report. and I have called them to get it removed under new federal laws for consumers. and they're title 15 USC 1681B.

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 2024-01-28 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: WA

Complaint narrative:
I used my Capital One credit card to purchase the delivery of XXXX XXXX. The XXXX XXXX never arrived. When I reached out to the retailer, they refused to give a refund. Because of this I reached out to Capital One to utilize a chargeback. Despite providing all necessary and requested information, Capital One has refused to process the chargeback and has not given a detailed explanation of their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NY

Complaint narrative:
Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from TransUnion such as, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, And XXXX XX/XX/XXXX XXXX there are also two addresses reporting to TransUnion sthat I have never lied or have no connection to, that I would like to remove and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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