vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a identity theft report, about Capital One issuing XXXX credit cards on my credit profile, which i did not authorized on XX/XX/year>. I would like for Capital one to remove these immediately. Otherwise i will go through the legal system and sue for defamation of character, damages done for my quality of life, and all other damages permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IN

Complaint narrative:
I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I made a regrettable decision as a reckless teenager who believed she was in love. The individual I was involved with, XXXX XXXX, intended to enroll in XXXX courses at XXXX XXXX XXXX. He required my assistance due to his insufficient credit history to finance the expenses. In a moment of poor judgment, I co-signed the loan, hoping he would successfully complete his education and secure employment to repay the debt. Regrettably, the situation unfolded differently. He withdrew from the program, and we subsequently ended our relationship. Following our breakup, he faced difficulties in making payments, as he has demonstrated a lack of financial responsibility. Although he began to make some payments, in XX/XX/XXXX, he was involved in a serious car accident, resulting in him being in and out of a coma. The last update I received indicated that he remains in a coma. His grandmother, XXXX XXXX, who has played a significant role in his life, initially covered the loan payments but has since changed her position. She can be reached at XXXX. Consequently, the responsibility for the payments has fallen to me. I previously maintained an almost perfect credit score, nearing the XXXX, but this situation has caused a noticeable decline in my credit rating. To exacerbate matters, the lending company has been unresponsive to my emails and correspondence, including physical mail sent via XXXX. I am deeply distressed by this situation and am seeking assistance. The company continues to report negative marks on my credit account without engaging in any discussions regarding the matter. I require your support to resolve this issue and pursue legal action against the borrower for the financial burden I have incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested credit freezes for a XXXX XXXX  of mine from Equifax. On XX/XX/XXXX, Equifax responded with a confirmation letter with a typo in the name of the minor child. 

I called ( XXXX ) XXXX. 

An automated system asked me to identify myself. The information the automated system asked about was unknown to me. ( I'll be filing a separate complaint about it. ) I was unable to request a name correction for my minor child.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts that continue to appear inaccurately on my credit report. On multiple occasions, I have raised these issues and requested thorough investigations into these inaccuracies. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are having a severe negative impact on my credit file, which has caused significant hardships in my ability to maintain financial stability. The continued presence of these inaccuracies is unjustly hindering my financial well-being and disrupting my daily life. 

I am therefore requesting a full and immediate investigation into each of the disputed accounts listed in my credit report. It is critical that all necessary steps be taken to correct and update my credit report without further delay. I trust that with your assistance, I will be able to restore the accuracy and integrity of my credit file. 

Please treat this matter with the utmost urgency. I would greatly appreciate your prompt attention to this issue and your cooperation in resolving it as soon as possible. 

Thank you in advance for your understanding and assistance.

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 2024-09-11 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: GA

Complaint narrative:
After examining my current credit report in depth, I noticed several accounts that appear to be fraudulent and were added without my approval.

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 2024-09-11 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-09-11 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: LEXISNEXIS
State: GA

Complaint narrative:
I NEVER OPENED A XXXX XXXX XXXX XXXX XXXX AND I DIDN'T GIVE ANYONE PERMISSION TO DO SO. THE ACCOUNT WAS OPENED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THE CREDIT CARD WAS OPENED. I MOVED OUT OF THAT ADDRESS ON XXXX 

( ACCOUNT # XXXX. ) ( OPENED DATE : XX/XX/scrub>XXXX  ) ( AMOUNT {$270.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and Experian keep reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with Experian and XXXX with no resolve.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: SC

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MI

Complaint narrative:
I received a call around XX/XX/year> about the debt and before I could say I was me the person said my last four fights of my social security number my sister even heard her. It was awful because I was young when this happen but why say my social what if I wasnt the person she was calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
I was shocked this morning to discover unauthorized inquiries on my credit report without any explanation. I check my report regularly, but this time something was clearly wrong. I refreshed my browser, thinking it might be a temporary glitch, but nothing changed. I am beyond frustrated and need the documents Ive sent to be thoroughly examined so I can finally stop worrying about 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 non-monetary relief
Consumer complaint received 2024-09-11 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: SC

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise claims to be an original creditor for an account that was opened in XX/XX/2024 and is reported as seriously delinquent for the sum of {$1700.00} in total. Absent is the account number. Additionally, Sunrise has for months now made calls and sent letters, to unlawfully collect a debt, in violation of federal and state statutes. To be clear, this sum of money seems to represent a dispute I had with a real original creditor some four years ago ; that being XXXX XXXX XXXX, for the same identical sum, that being {$1700.00}. I did not pay XXXX XXXX XXXX  because I returned the rental XXXX back to them, eliminating my obligation to pay for the device I was at one time renting. XXXX XXXX XXXX resolved the problem and Ive never been billed by them or heard from anyone, until now. The statute of limitations has also expired as to any civil enforcement of the disputed sum. I think we both know that Sunrise either purchased this account from and which was written-off by XXXX XXXX XXXX ; likely for the customary 2-3 % of the face amount ; or in the alternative, Sunrise is acting as a duly appointed collection agent on their behalf. In either case, Sunrise is making unlawful reports to my credit bureau files as it relates to the matter. Sunrise is reporting to the credit bureaus that they are they original creditor for an account established in XX/XX/2024 that has an unpaid and delinquent debt in the amount of {$1700.00}. Sunrise has never been the original creditor ; '' and this account was not opened in XX/XX/2024 of this year. Such unlawful reporting of this account has led to me to personally experience actionable damages, to include : being denied employment; denied credit approval for the purchase of a new car, unless I agree to a 9 % surcharged interest to 17.99 % totally over XXXX XXXX dollars in actual damages ; and, I have needlessly been harassed by Sunrise.

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I payed off my Capital One Credits cards in full on XX/XX/year> and was notified on XX/XX/XXXX that both of my credit cards accounts were closed. 

I have since received several collection calls from capital one and have also had several late payments ( 4 as of right now ) reported on my credit. 
I reached out to capital one for account closer conformation again on XX/XX/XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I had an account with Bank of America before. Someone I didnt know sent me a fake check, and we deposited it into the bank. A few days later, my account was closed and deleted without telling me. Once it was discovered that the check was fake, the bank not only closed my account immediately but also deleted it from their system without informing me. There was no actual fraud involved, only the check turned out to be fake. 
And around {$270.00} of my money is gone! 

Additionally, as far as I understand, the bank directly deleted my account from the system so that I wouldn't file an official complaint, which is why the past transactions in my account are no longer available at the bank. I was not informed about this situation in any way. 

As soon as the check was identified as fake, I reported it to the police the same day, and I have an official police report. I am the victim in this situation, but since the bank closed my account without notifying me and reported it to the credit agencies, I am now unable to open an account with any bank. Could we work together to resolve this issue? 

Thank you in advance. Best regards.

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 2024-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, there was a hold placed on my account in the amount of {$140.00} for incidental holds from XXXX XXXX. Ive contacted cashapp several times and provided all information requested including the entity telephone number. They have stated they throughly investigated but refuses to release the hold of {$140.00}. Ive provided a receipt, email from XXXX XXXX  and a letter stating that the {$140.00} was released on XX/XX/year> which came directly from the merchant. Cashapp refuses to release my funds and has continued to hold my money stating they thoroughly investigated my claims. Ive requested copies of their disclosures as well as their policies and procedures and have not been provided any of the requested information nor my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
Good day. Please read this complaint seriously. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a complaint over 30 days ago about the false reporting of my bankruptcy to my credit report bankruptcy case XXXX XXXX XXXX XXXX, XXXX # XXXXit was never reported to them and they have failed to provide proof to the cfpb and are violation of my rights.

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