vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-09 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:
I called into experian today on XXXX XXXX 2024 in order to dispute some inquires on my credit report. I was transferred to the XXXX department in order to speak with XXXX about these inquires on my credit report. I explained to XXXX i was involved in XXXX data breaches in the last XXXX years that i was unaware of. I also let him know i did not apply for any XXXX LOANS IN 2023. After this XXXX proceeded to cut me off and let me know i couldnt dispute this info with EXPERIAN due to them not being the ones who placed the inquiry. He told me that he couldnt verify weather these inquires were valid or not. I then advised XXXX it is under the FAIR CREDIT REPORTING ACT HE SHOULD REPORT ACCURATE AND VERIFIED INFORMATION ON MY REPORT. He then proceed to advise he couldnt help me with this issue.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPT OF ED/XXXX  Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I always try to maintain a XXXX Credit Card balance when statements come due. Sometimes, this involves paying off more than my balance late in the week when I know large charges are coming through on the weekend if the closing date is also on the weekend. I thus paid off my balance with the addition of charges for the weekend of XXXX XXXX on XX/XX/XXXX, as the closing date is the XXXX of the month. However, Bank Of America, without consulting me and without my authorization, credited me the balance on the XXXX, which was the last weekday before closing. This resulted in the large charge coming through on the XXXX. This large charge ended up as a positive balance on my credit card, which was reported to credit bureaus and resulted in my Credit Score decreasing. I contacted Bank of America about this issue and requested that this negative balance credit be disabled. They informed me that this was a permanent feature for situations where there is a negative balance at closing for XXXX consecutive months. I made it clear that this feature did not catch all contingencies, as it does not account for closure dates on the weekend when it credits on the Friday before. They again confirmed that there was no way to fix this. I urge Bank of America to consider cases such as mine, as they can not be that uncommon. Please allow this unwanted balance credit feature to be opt-out or fix the bug so that it accounts for weekend charges prior to closing. 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 explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My information was illegally bought and sold as a result of the XXXX data breach. I have attached proof from XXXX confirming I was a victim of the breach. 
XXXX and XXXX have acknowledged this fact and taken action to delete the items from my credit report but Experian has done nothing. 
I have made over XXXX formal, written requests ( example response attached ) to Experian to directly validate these items and delete them but they have not. 
I believe they are outsourcing the validation to a third party called XXXX XXXX and I think the third party is using data that is inaccurate due to the XXXX data breach. 

In XXXX, I started noticing an increase in illegal activity with my compromised information that correlates to the time immediately following the XXXX breach. I've attached XXXX examples including another data aggregator which is likely used by Experian. 

In XXXX, I started seeing more inaccurate information on my credit reports. 

In XXXX, the trend continued with inaccurate personal information and public records being reported. 

The point is that Experian is using data collected by a third party that has bad information and Experian can't validate the accuracy of these items on my report themselves. 

All of this has hurt my ability to pass background screenings for employment and qualify for home and auto loans.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I opened an account online with Marcus Goldman Sachs and my credit union would not transfer the large amount of money so Marcus Goldman Sachs suggested I mail them a check and it would just be deposited into my new account. 2 days After mailing my check that states my account number that funds were to be depositied into XXXX contacted me to inform me that they closed my account due to inactivity. I then was told the check would be mailed back to me and they confirmed my mailing address to mail back. A couple days after that I was shocked to find out they had cashed that check and I had no access to my money nor have I had any luck getting that money back or where they have put it. It is not in my account and I have called multiple times to ask if they can wire the money back but am told over and over again someone will call me back and nobody has yet called me back nor has the problem been resolved. They fraudulently cashed the check that stated clearly to be deposited into the account number on the check and have held my money somewhere?? I have lost out on investments and now will be unable to bid on a real estate deal that the money was to be used for and was ALWAYS intended to be kept LIQUID. It has been two weeks since they cashed the check and used for their own benefits as funds and I have had the loss of financial gain from it and time wasted trying to get anyone compatent from XXXX to resolve the issue. This was all my savings!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
One week ago, I applied and was approved for a {$5000.00} payroll business loan through XXXX by PayPal. I requested the funds to be wire transferred to a third party bank, XXXX XXXX Bank, due to my bank, XXXX XXXX XXXX, uses this third party to receive the funds. I provided the document that has specific instructions for the transfer to the Account XXXX XXXX, XXXX XXXX XXXX He informed me that he can not perform it and that I will need to do it myself via PayPal app. I put XXXX information where appropriate. I chose to have it within XXXX hours. Everyday since, nobody has seen the transfer. Not XXXX nor XXXX. PayPal keeps saying they don't know where the money went and that it must have been something I did incorrectly. I have asked twice to show me proof that it left PayPal 's account and went anywhere. Not only have they not provided any evidence but they will not comment on showing proof. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2024, I submitted online for a Capital One XXXX XXXXXXXX card due to the advertised cash bonus of {$200.00} for spending a minimum of {$500.00} in the first 90 days of card issuance. Along with this offer by Capital One was a free XXXX XXXX account on the card up to XX/XX/2024. 

I was approved instantly online. About a week later, I received the physical card in the mail. Upon setting up the card, I signed up for XXXX XXXX and have been routinely receiving the membership fee reimbursement in the form of a statement credit from Capital One XXXX XXXXXXXX. So that left the other {$200.00} cash bonus which I had spent {$500.00} within the first month, and paid it off in full. I was supposed to receive this {$200.00} cash bonus by meeting that {$500.00} threshold within the first 90 days, but when I called into XXXX to inquire why I did not receive the {$200.00} cash bonus they said that I didn't " qualify ''. I then had asked to speak to a supervisor. Then the phone customer service rep told me the supervisor or higher-up would contact me via email in 2 weeks by XX/XX/2024 explaining why. Today, XX/XX/2024 I just received that return phone call by someone from Capital One leaving a voicemail to call the back at the general automated customer service number XXXX. I also just received an email today stating : << '' Thank you for contacting us regarding your rewards! 

We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. 

Remember, you still earn 1 % cash back ( more in select categories ) for every dollar you spend on purchases! " XXXX I am certain and sure I had signed up for the {$200.00} cash bonus offer through XXXX. See here : XXXX XXXX XXXX I also XXXX the XXXX XXXXXXXX offer and everywhere it states there is a {$200.00} cash bonus for spending {$500.00} in the first 90 days. It is universally everywhere. So for Capital One to renege on what is false promotion if they don't honor the advertised {$200.00} cash bonus is just plain deceptive and wrong. 

Please assist me on this matter in getting this right and holding Capital One to their honor and advertised words. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered a discrepancy on my credit report involving a Capital One account indicating a 120-day late payment, purportedly opened in XX/XX/XXXX. Despite my vigilant monitoring of credit activities, I did not receive any notifications regarding this account. This lack of notification stemmed from the account being associated with two previously closed Capital One accounts, which intermittently sent notifications. Upon identifying this anomaly in XXXX, I promptly took corrective measures to address the issue. This included initiating the closure of the account and requesting its removal from my credit reports. Subsequently, I undertook a systematic approach to address the matter, involving the submission of an identity theft report to the FTC, filing a police report, and engaging with the relevant credit bureaus and Capital One. To facilitate a thorough investigation into the fraudulent activity, I requested comprehensive documentation from Capital One, including the account application, transaction statements, associated business information, and digital identifiers of the alleged account holder. This request was made in accordance with established protocols and regulations governing identity theft investigations. It is pertinent to note that the nature of the account in question was a business card, associated with a business entity not affiliated with my own. This further underscores the seriousness of the fraudulent activity and its potential implications. Despite my efforts to resolve the matter amicably and in accordance with legal provisions, I have encountered challenges in obtaining the requested information from Capital One. Furthermore, the recent communication from Capital One asserting the validity of the account without providing substantiating evidence is concerning. In light of these developments, I believe that Capital One has violated the Fair Credit Reporting Act ( FCRA ). I remain committed to cooperating with all relevant parties to achieve a satisfactory outcome and mitigate any adverse impact on my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
Hey I Received an XXXX Form for the charged off account : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
Hey I Received an XXXX Form for the charged off account : Account XXXX XXXX  XXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
According to section [ 15 U.S.C. 1681 ] ( 1 ) 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 the public confidence which is essential to the continued functioning of the banking system. 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. 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. 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 however are still inconsistent and showing inaccurate amounts & dates. ( XXXX ) XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phn # XXXX ] Balance {$700.00}. Inconsistencies shown for payments made said to be late on XX/XX/XXXX & XX/XX/XXXX. Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phn # XXXX ] Balance {$160.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed was changed & DOES NOT SHOW for this account. XXXX {$20000.00}. ( XXXX XXXX XXXX XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX XXXX {$0.00}. All items under collections should be marked as PAID FOR LESS as they have been accounted for & removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Received a call from XXXX XXXXXXXX XXXX today regarding a XXXX  ( yes that's right a XXXX ) car claim. Fairlane Credit is the main creditor. They have tried tactics in the past where this has been XXXX in bankruptcy and the statute of limintations has LONG expired. Yes that's right, 2003 was the repossession date and they are threatening me with legal action and phone calls for this debt that the statute of limitations provides. 

They have tried these tactics in the past as well and now I get this phone call today. They're fishing for information to try to get me to pay on a debt. 

The person at XXXX XXXX XXXX noted to me they are trying to put a XXXX on my taxes or something I didn't understand. 

STOP THE HARRASING PHONE CALLS OVER A XXXX XXXX XXXX DEBT!!!!! 

If you call me again or threaten me with legal action, I will hire an attorney to come after you. PERIOD.

Company response to consumer: Closed with explanation