vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/year>, I ordered a purse online from Kohls. It was taking a long time to get to me and appeared to be held up by USPS. I contacted Kohls and asked if I could cancel the order. They said " no '' but that I could refuse the package when it arrived ro return to sender. I was not at home when it arrived so I did a return to sender. This can easily be verified by looking at the tracking. 
I started checking my account for refund progress. When the refund wasn't showing up, I started contacting customer service via their contact XXXX feature. I spoke with several reps over the next 2 months who all assured me that they could see where I returned the purse and that my card should be refunded in XXXX days. It took 2 MONTHS! They finally refunded my card. but because it too so long, I got a late fee added to my card. How can I get a late fee added for a return???? I started contacting customer service again. It took a month to get the late fee removed. 

So they removed the late fee in XXXX but turned me into the credit agencies, causing my score to drop almost XXXX points, going from excellent to good. This is unacceptable. It was a RETURNED item. How can there be a late fee on an item I returned almost as soon as I received it???? There was nothing else charged to the card. That returned item should have been refunded back to my card in a timely manner. Kohl 's did not do that, causing a late fee. 

I disputed it, and Kohls denied any wrongdoing. The only conclusion I can come up with is they didn't bother to look into it, because it is obvious, I am not at fault here. Please fix this ASAP. I have had excellent credit for years and I don't want to have to hire a lawyer to get that back. It shouldn't come to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my XXXX and paid or paying as agreed on my XXXX, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXX XXXX. This account is also reporting open on my XXXX, and closed across the other two bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update my account.

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 2024-07-23 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  No. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  No. XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-07-23 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: IA

Complaint narrative:
I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, XXXX, and Trans Union, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law

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 2024-07-23 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: IA

Complaint narrative:
I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, Equifax, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been with TD bank for quite awhile now, i have recognized some unknown fraudulent charges and disputed it immediately. TD bank had then gave me a partial credit and froze my account. Stating I had to go into the branch to confirm my identity, I then visited the branch confirming my identity and at that time my account still was remained locked and TD stated due to the fraudulent charges they wanted to close my account but still have yet provided me my funds and its been almost a month. TD bank is unlawfully holding my money without Rule of good cause or providing me with information why my funds are being held after telling me I could go into the branch to retrieve them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
Ive only ever had a XXXX XXXX card. Looks like someone tried to open a card up under my name which wasnt me actually opening it up. Checked my credit report and saw this was 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 explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-23 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX  XXXX {$520.00} XXXX update to never late XXXX  {$820.00} XXXX Remove acct XXXX  XXXX  {$0.00} XXXX remove acct XXXX XXXX  {$0.00} XXXX remove acct Integra XXXX {$0.00} XXXX remove acct Dept Of ED {$0.00} XX/XX/XXXX - update to never late Dept Of ED {$0.00} XXXX update to never late Dept Of ED {$0.00} XXXX update to never late Dept Of Ed $ XXXX update to never late Dept of Ed $ XXXX update to never late XXXX XXXX {$500.00} XX/XX/XXXX - Remove acct XXXX XXXX {$480.00} XXXX remove acct XXXX XXXX {$820.00} XXXX XXXX acct XXXX XXXX  XXXX XXXX {$9800.00} XXXX XXXX acct XXXXXXXX XXXX  XXXX {$520.00} XXXX XXXX acct XXXXXXXX XXXX XXXXXXXX {$520.00} XXXX remove acct XXXXXXXX XXXX XXXXXXXX {$660.00} XXXX remove acct XXXX  {$130.00} XXXX remove acct XXXX XXXX remove inquiry XXXX XXXX XXXX XXXX XXXX XXXX remove inquiry

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 2024-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
The president has been removed for violations of the XXXX XXXX XXXX and XXXX and XXXX bank has to cancel this debt or loan any debt or loan by this has to XXXX annulled the staff at m and t bank gave me a XXXX XXXX recipient a loan they now he could not pay by XXXX XXXX XXXX XXXX a XXXX XXXX recipient gets all state assistance m and t bank is state government and they can not make a sssi ssa recipient pay a debt by XXXX XXXX rule XXXX XXXX XXXX section XXXX is a right for all XXXX XXXX recipients XXXX code a ssa ssa recipient can get a loan from any bank and not have to pay XXXX XXXX recipients are not suppsed to be given loan but only grants that they do not have to repay by giving XXXX XXXX recipients loans they are defrauding the government XXXX XXXX XXXX can not be taxed used to pay a debt as a doj XXXX this is fraud to close my account t to give XXXX my XXXX who has committed fraud by not giving XXXX XXXX recipients all state assistance when they signed the XXXX XXXX XXXX prerelease agreement which XXXX was convicted of and XXXX overpayments the are caused by no police reporting or social worker reporting in institutions a person in any institution can get full benefits but the m and t bank women who disouted this to this can not get any XXXX XXXX benefits or this theft of my filing m and t bank does want me to pay this debt because they do mot want me to have an account also tell m and t bank do not lay in my emails and calls or petition for me in nothing or boycott me in XXXX bank they are in defraud of the XXXX XXXX XXXX benefits can not be taxed now if m and XXXX bank wants me to pay this debt then send me a new card or if not waive the debt also I did not ask m and t bank for the XXXX credit limit that is entrapment also order m and t bank do not keep calling XXXX XXXX telling them do not increase my pay and give overpayment settlement in XXXX I have been working at from since XXXX as doj XXXX of lost benefits where I reported that XXXX would not give the XXXX XXXX prerelease agerment of section XXXX and All-State assistance to all XXXX XXXX recipients that were released in XXXX and were entrapped by them taking over a XXXX 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 2024-07-23 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:
there are two cars on my credit that I never applied for. This is fraud and I want this to be remove from my credit report this is wrong and I never authorize this, and they have repossession on my credit which is not mine. The address on my credit is wrong and my name is wrong as well.

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 2024-07-23 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: GA

Complaint narrative:
there are two cars on my credit that I never applied for. This is fraud and I want this to be remove from my credit report this is wrong and I never authorize this, and they have repossession on my credit which is not mine. The address on my credit is wrong and my name is wrong as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: GA

Complaint narrative:
there are two cars on my credit that I never applied for. This is fraud and I want this to be remove from my credit report this is wrong and I never authorize this, and they have repossession on my credit which is not mine. The address on my credit is wrong and my name is wrong as well.

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have recently been notified by my local sheriffs department that I am being sued by MIDLAND CREDIT MANAGEMENT INC. Since XXXX, I have received a countless amount of phone calls, in efforts to collect an alleged debt. Since XXXX of XXXX, I have written proof of Midland refusing to remove this information or stop trying to collect on the alleged debt, as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX XXXX, as I know that this company purchased that debt that has been written off and was attempting to collect from me illegitimately. I have not now, nor have I ever in the past done any business with Midland Credit Management. For the company to harass and try to hold me accountable for inaccuracy and lie about investigating it and refusing to remove it from my credit report is willful noncompliance with the FCRA laws. I have already reached an agreement with the National Credit Reporting Agencies for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove the account. I am requesting that Midland provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the account belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: NV

Complaint narrative:
I am writing to urgently request the deletion of inaccurately reported accounts on my credit report maintained by Equifax. This action is justified due to persistent inaccuracies and failure to comply with the Fair Credit Reporting Act ( FCRA ), despite my repeated efforts through multiple certified letters to Equifax and direct disputes filed with your bureau. 

Disputed Accounts Requiring Deletion : XXXX  XXXX Account ( XXXX ) WebBank/Fingerhut Account ( XXXX ) These accounts have been reported with significant errors in their status and balance, and despite my efforts to rectify these through proper channels, including numerous certified letters and disputes lodged directly with Equifax and through the CFPB, compliance has not been achieved. The continued reporting of these inaccuracies is detrimental to my financial standing and violates my consumer rights. 

Key Points of Non-Compliance and Request for Action : Repeated Disputes Ignored : I have sent multiple certified letters to Equifax and filed disputes with the CFPB, none of which have resulted in the correction of the erroneous entries. 
Demand for Deletion : Due to the ongoing non-compliance and lack of proper verification as required by FCRA and XXXX XXXX standards, I insist on the immediate deletion of these accounts from my credit report. 
Legal Notice : This letter serves as formal notice of these unresolved disputes and my intention to pursue further legal remedies if these inaccuracies are not corrected within the mandated timeframe of 30 days. 
I urge the CFPB to initiate an immediate investigation into these discrepancies and to enforce corrective measures on Equifax to amend my credit report as per federal requirements, specifically focusing on the deletion of these disputed entries. 

Thank you for your prompt attention to this critical issue. I look forward to your confirmation of the receipt of this letter and a detailed response outlining the actions that will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
I am attempting to rollover a XXXX  to my new account from the Optum account I had with my previous employer. The new financial institution is requesting a voided check or a letter on letterhead to process the request. Optum Bank states they can not provide either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting multiple delinquencies to my credit report. Attached is payment that was accepted by the IRS on XX/XX/XXXX and mailed to the address of Comenity Capital Bank on XX/XX/XXXX. Comenity Capital Bank has since repeatedly reported deliquencies and added several additional charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MS

Complaint narrative:
XXXX, XXXX, Transunion, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.

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 2024-07-23 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:
XXXX, Equifax, XXXX, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.

Company response to consumer: Closed with explanation