vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I called the original creditors, today XX/XX/23. To have the unverified and unauthorized items deleted and were told to contact the consumer reporting agencies directly to have the inquiries removed immediately. I am now filing this consumer, financial protection 15 U.S.C 6801 with accordance to the FCRA to legally have these items delivered immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2023, I opened up an Amazon store card. Upon opening the account with Synchrony Bank, the representative stated I would receive a {$100.00} gift card within 5-10 minutes sent to my Amazon account . Never received the gift card in the amount of {$100.00}. I am a victim of identity theft and received an alert notification that my XXXX credit report was pulled on XX/XX/XXXX, and another notification that my credit report for XXXX was pulled again on XX/XX/2023 from Synchrony 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports are still showing inaccuracies.

15 U.S. Code 1681s2 the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an account on my report that was closed XX/XX/2022 however its showing open on my XXXX report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXX XXXX  {$3400.00} This Account was closed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Financial LLC : XX/XX/2022. This inquiry wasn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a FRAUDULENT claim with Bank Of America in 2022 Over a year ago. I was scammed out of $ XXXX As I never received a edd prepaid bank of america card before, so All transactions made were not me an I was sent a new card apparently, However that I still never received an they sent a new one, But there were no funds on it. 

I've been calling an complaining for over one year an I still havent been told of a final determination to the investigation NOR have I received any probisional credit or my money returned. Ive been evicted, Lost my cell phone due to mon payment, Lost my car, Ect ..... I NEED MY MONEY. 

Bank Of America is in No rush to resolve or credit me what is owed.

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 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS has refused to validate the debt or to provide me with any documentation that proves that I owe the debt. I believe that the debt is either invalid or FRAUDULENT. NATIONAL CREDIT SYSTEMS is engaging in debt collection without a valid license, which is in violation of applicable laws and regulations. I believe that NATIONAL CREDIT SYSTEMS is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of Se

ction 807 ( 2 ) You are Continuing communication after a cease and desist request. Violation of Section 1692 ( g ) : Failing to send a written debt validation notice within five days of the initial communication with the consumer about the debt. Violation of Section 1692 ( d ) : Repeatedly calling with the intent to annoy, abuse, or harass I, the consumer. I understand that under 15 U.S.C. 1692, I am entitled to statutory damages of up
to {$1000.00} for each violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is common knowledge that CRAs do not investigate errors in the interest of the consumer, but rather err on the side of paid subscribers. It is a business and nothing more. a form letter with a typed name and no signature is NOT verification! 
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or haven't gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 us code 1681. The law clearly states 1. Accuracy and fairness of credit reporting. Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy Of Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. The company known as " XXXX XXXX XXXX '' is known to have a multitude of FCRA violations but can list with the 3 major CRAs without regard for consumer rights. This is a clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX for {$2400.00} is a closed account showing up on my credit report file. This is fraudulent and opened using my identity without my consent.

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 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
NEVER RECIEVED NOTICE FROM FOCUS FINANCIAL, REQUESTED BREAK DOWN OF DEBT AND BY LAW HIPPA ACT OF 1996, PROVIDE MY SIGNED HIPPA RELEASE FORM. I ALSO RECIEVED 3 COLLECTION BUT ONLY ONE VIST PLEASE PROVIDE 3 SEPARATE BILLS WITH THE ACCOUNT NUMBER FOR EACH SINCE IT WAS ONE VIST TO THE EMERGENCY ROOM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reviewed my credit report and have noticed unauthorized accounts on my credit report. I've asked all three agencies ( XXXX, Equifax, and XXXX ) to remove all these account off my credit report and demanded to opted out of having my information shared without my consent! I gave these agencies no authorization to share nor sell my information. I demand that this be resolved immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/2023 I received an email from Capitol One that an account had been opened. I was unsure if this was a phishing email or not, so I did not click any of the links and instead called Capitol One using the phone number listed on the website. Capitol One confirmed that an account had in fact been opened with my name. They stated that they would close these accounts ( checking and savings ) and investigate the fraud. I froze my credit and reported this incident to the 3 credit bureaus as suggested by Capitol One. I did not receive a follow up. 

A few days ago I get an email from Capitol One stating that they needed additional information to move forward with my accounts, which I had told had been closed. I again called Capitol One and they transferred the call a few times. Ultimately, I was told that I would have to leave a message and they would get back to me. Given that I did not have the account numbers ( because I didn't open the accounts ) it was difficult to get help. I have yet to receive a return call and it has now been 5 days. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a small business checking account with Wells Fargo several years ago. In XXXX, I opened two additional accounts related to this original account. The banker who opened the accounts called me to return to the bank which I did in XXXX ( XX/XX/XXXX ) because I had moved and the address was appearing differently. So I went in, gave him the documents he needed and signed that my new address was in fact correct. 

On XX/XX/XXXX, I received an email that my email was no longer attached to that checking account. So I logged on to see what was going on and found that all 3 accounts had been closed and my balance was XXXX. No explanation, no other notification. 

I called to the Wells Fargo offices repeatedly yesterday and everyone told me, it was something I had done wrong and it would take 10 days to resolve, and there was no way to reinstate the accounts. 

I pay bills from those accounts and I collect payments. I also pay myself through that business account. 

I finally convinced the banker who originally worked with me to do something and he called me back and said the error was theirs, something he had changed hadn't gone through. So he said I could reinstate my accounts but I had to sign more paperwork. He is in Arizona, I am currently in MD. So I went to a local bank this morning and signed. Now I am being told it will still be several days before the accounts will be reinstated and no one has any idea about my money. 

This seems criminal to me. I made no mistakes. I was never notified - though they repeatedly have said they " mailed '' me something- which I have never received. Yet, they have taken all of my money and closed my accounts, preventing me from conducting business. 

Thank you.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX stated on my credit report my in the comments Payment after charge off/ collection Settled -less than full balance. On XX/XX/XXXX XXXX stated in comments Account legally paid in full for less than the full balance. on XX/XX/XXXX Equifax stated in comments Settled accepted on this account Paid charge off and I have a Derogatory mark for equifax. this is an error please remove this from my credit report. I spoke with XXXX XXXX XXXX and they refused to do anything about it. They also charged me another fee of {$200.00} in which I paid so they would remove in fear that they would not remove. I was not aware of my rights and they took advantage of me. I would like to be compensated for this. This is not fair. This has caused me much frustration and anxiety. I was not able to get a loan for my business as a result of this error. I deserve to be compensated for this mistreatment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On or about XX/XX/XXXX I received an email to receive a lower interest rate on purchases outside of Best Buy, offer ending XX/XX/XXXX. Then again in XXXX another email with same offer ending XX/XX/XXXX. 
I made a large purchase XXXX, XXXX. The following month my purchase received the regular interest charges previously agreed upon. 
I expected the above purchase to receive the promotional interest. When I called the company, I spent four hours on the phone, I was disconnected several times, I was told by Best Buy I needed to take my case to the card issuer ( Citi ). Citi followed the same protocol of disconnection and ultimately said they could not help and that Best Buy needed to correct my interest rate. 
I later spoke with a supervisor who stated the promotion ended XX/XX/XXXX and although, my purchase was in XXXX I would be subject to the higher interest rate. 
I questioned why they would send promotional email if the interest ended in less than 30 days. She could not respond and stated my account is subject to regular charges

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