vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: NJ

Complaint narrative:
I submitted a complaint regarding unauthorized HARD INQUIRIES ON MY CREDIT REPORT ON XX/XX/XXXX through the CFPB FILE # XXXX TRANSUNION responded on XX/XX/XXXX stating that they are working on the issue and I never received an updated results.They have requested for me to send verification through mail which I have mailed back to them XXXX I called them and spoke to an agent named XXXX and they have confirmed that they have received it and that they will delete them, they have not deleted them. These hard/unauthorized inquiries are stopping me from obtain a mortgage loan and I am requesting for transunion to make the proper Steps to delete these hard fraudulent inquiries off my report. Please see attached documents INQUIRY 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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I don't have any knowledge about these inquiries, and the company did them without my consent. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to inform you that I am exercising my right to opt out of reporting the two dismissed bankruptcies on my credit report. As such, I formally request that XXXX XXXX XXXX and Experian cease reporting these dismissed bankruptcies effective immediately. 

As a consumer, I have the right to opt out of having certain information reported on my credit report, as outlined in relevant regulations, including 15 USC 6802. Therefore, I am exercising this right in relation to the dismissed bankruptcies.

I understand that opting out of reporting these dismissed bankruptcies may impact the completeness of my credit report. However, I have made the decision to exercise my rights under the law. 

Please confirm in writing that my request to opt out of reporting these dismissed bankruptcies has been received and will be implemented promptly. 

Thank you for your attention to this matter. I anticipate your cooperation in this regard. 

Sincerely 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I tried to open an account through Santander bank and I was denied because I had supposively had a debt.

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 2024-04-26 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: FL

Complaint narrative:
Capital One is blaming the other bank. I have a {$240.00} charge on my bill from XXXX. Services not rendered. They both refuse to refund me even though Ive sent proof of documents for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc.
State: CT

Complaint narrative:
Hello so my name is XXXX XXXX I was born mute and deaf so I invested in this company called Groundfloor finance with {$230000.00} usd but after my account number was changed which the money came from due to other things someone was trying to take money from it so I request for my account number to change which is a XXXX XXXX XXXXXXXX. But now I want to withdraw my money they are saying it have to be the same account with the same account number in order to withdraw my money which that cant happen because my account number is different. They asked for documents which I provided that is my Passport and selfie of my holding my passport and bank statements for both new and old a account so they said okay everything is fine and I can add any bank account now so I add my community federal savings bank so after I try to withdraw money to it they said I cant withdraw money but I said I explain everything that my account is changed and u guys asked for documents and said I can add any bank of my choice which I did now I cant get back my money. They closed my account and I cant communicate with them and they still have my XXXX now and I cant have access to my money they steal my money and they still have my money. I need my money and u need help!! 


The name of the Company is call GROUNDFLOOR FINANCE Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I spoke to a representative from One Main end of XXXX to make a payment. I advised her I would pay the XXXX XX/XX/24 that was due. She asked if I wanted to settle because the amount I was paying would do so. I advised her no I dont want to settle the account because I want it to reflect paid in full on my credit report. I will follow up with you next month to make another payment. I did not advise her I wanted to settle. I received an alert from XXXX XXXX stating an account closed recently and a letter in the mail dated XX/XX/24 stamped stating SETTLED IN FULL XX/XX/24. So I follow up with One Main spoke with a young lady she stated that representative that took my call and payment was gone for the day so I requested to speak with a Supervisor. She stated no one was available she took my information and stated that a Supervisor will listen to my call then follow up. One month goes by I called back and spoke to Supervisor by the name of XXXX XXXX at XXXX. He stated because he wasnt at the location that representative that took my call he cant listen but he can contact someone who can. He stated that he will follow up with me the next day still no follow up til this day. I called him today XX/XX/24 left voicemail because Ive received a statement from One Main stating Im past due with remaining balance if XXXX. No one has called to give me an update on the call and credit reporting. This is bad business practices. There shouldnt been a follow up call explaining to me the resolution but instead they send out a new bill statement stating Im past due and you guys never followed up with any or even to say we will be sending out new statement. Shame on One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have some errors on my consumer report XXXX XXXX XXXX  is violated my rights.

15 u.s.c. 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
also remove these fraud addresses from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please see my attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2024, unauthorized transactions were made from my Bank Of America debit account of {$6000.00} and {$760.00} to my XXXX account. First, i contacted Bank of America to file dispute of a fraud charges on my debit account. Then, i contacted XXXX to findout if they can refund the money back to my bank account. XXXX refused to refund because somebody place wagers associated with {$6000.00} and {$760.00} and results of the wagers were losses. I explained to XXXX that i did not authorize the wagers and i assured them there were fraud activities on my account. XXXX still refused to refund. Back the dispute charge that i filed with Bank Of America, Bank of America denied my dispute claim because " they find im responsible for the charge '' without giving me a thorough investigation of their findings.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Reporting by Credit Bureau Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this message finds you well. I am writing to bring to your attention a significant issue I have encountered with a credit bureau regarding their reporting practices, which are in violation of the Fair Credit Reporting Act ( FCRA ). 

I recently sent a formal request to the credit bureau for the removal of negative accounts, some of which were identified as fraudulent, from my credit report. Despite my clear instructions and legal rights under the FCRA, the credit bureau has failed to comply with these requests. They continue to report derogatory information that lacks proper evidence, physical verification, and certification, which is a direct violation of federal law. 

Furthermore, I have requested evidence supporting the existence of certain items on my credit report, such as contracts, notes, or documents bearing my signature. Instead of providing this evidence, the credit bureau has resorted to sending standardized response letters, further indicating their disregard for my rights as a consumer and their obligations under the FCRA. 

I insist on the immediate removal of these unlawfully reported allegations and request a thorough investigation into the credit bureau 's practices. I also seek disclosure of the names, addresses, and telephone numbers of each credit grantor or subscriber associated with my credit report. 

As per federal law, I understand that the credit bureau has thirty ( 30 ) days to conduct a re-investigation. Within fifteen ( 15 ) days following the completion of this re-investigation, I request a detailed description of the procedures used to determine the accuracy and completeness of the information provided in my credit report.

I believe that by addressing these issues promptly, we can ensure fair and accurate credit reporting practices, benefiting consumers and upholding the integrity of the financial system. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid my XX/XX/2024 payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/2024. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid my XX/XX/2024 payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/2024. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both Equifax and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CA

Complaint narrative:
I paid my XX/XX/year> payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/year>. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, Experian and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and Experian completely ignored uploaded proof and continued report incorrect information. Experian is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
A Destiny credit card was opened via identity theft in my name in or around XX/XX/XXXX. I ( inaccurately ) assumed the information I received about the credit card was a scam. After payment was not made on the credit card, it was sent to a debt collector ( XXXXXXXX XXXX XXXX  ) on XX/XX/XXXX, with a balance of {$990.00}. 
I contacted MCM in XX/XX/XXXX to dispute the charge, as it was fraudulent. They opened an investigation and found the charges to the card to be accurate. I was notified on or around XX/XX/XXXX. Well, yes, someone did use the credit card, but it was never me. They still expected me to make the payments to the {$990.00}. 
They listed next steps in order for them to continue their investigation. Steps included completing an FTC fraud affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
According to the fair credit reporting act 15 USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are consumer reporting agencies and I am the consumer. I do have a right to make sure my private information isnt shared which is backed by 15 USC 6801 It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers no public personal information.

The credit bureaus dont have my written or verbal consent to furnish this information.

All consent is revoked.

15 USC 6802 - a financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

I was never informed of my right to exercise my non disclosure option.

15 USC 1681C also states, no consumer reporting agencies 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: VA

Complaint narrative:
PLEASE BLOCK AND REMOVED I urge you to take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me considerable distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible for them. Please address this matter promptly.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Commencing in XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by an individual allegedly called XXXX XXXX ( the XXXX ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 

I sent wire transfers to agents of his alleged company with the verbal and written promise of reimbursement. 

On XX/XX/XXXX {$10000.00} was sent. 

On XX/XX/XXXX {$10000.00} was sent. 

On XX/XX/XXXX {$6000.00} was sent. 

On XX/XX/XXXX {$7500.00} was sent. 

On XX/XX/XXXX {$8000.00} was sent. 

I have been a customer of Bank of America for 19 years and have used the same checking and savings accounts for that entire period of time. Bank of America failed to take the proper steps to ensure that I was not being victimized by a scam. They failed to recognize sudden changes to the operation of the account, and failed to stop these unusual transactions. Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.

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 2024-04-26 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: PA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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