vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: AZ

Complaint narrative:
Experian has my credit file mixed with another person, someone who has a similar name but a different gender. My name is XXXX. I am not only being penalized by Experian for their mishap, but I have no XXXX XXXX and I'm being advised that I'm unscorable due to my being deceased. I am alive, and I mailed a XXXX  letter, my XXXX, and my Social Security card proving I am not deceased. Experian ignored these notarized and official documents and nothing changed for over a year. Experian is allowing a company called XXXX XXXX to report on my report for someone else, but I am not that person, nor am I dead. I have filed disputes, and my next step is legal action. I want XXXX XXXX removed from my profile along with the name that is not mine, which is not my XXXX. I am being denied credit because Experian refuses to update this information. I want it updated ASAP. My dispute with XXXX XXXX should be resolved by XX/XX/2024, based on the XXXX XXXX allowed.

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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
When I had my first wells fargo account someone accessed my information causing them to use my entire card up and I had to file disputes for all transactions. Now the company won't let me do business with them and keeps closing any account that I open

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 2024-01-28 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: MI

Complaint narrative:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college  studies with a full-time job has added the role of a full-time XXXX  manager to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 



XXXX XXXX XXXX : These accounts on transunion have not updated last reported day & 120 + 120 with both bureaus supposed to add 150 days instead of 120. This is inaccurate & last payment date can they send a payment from that date not charges & update the comment section on transunion. Or delete & i have 2 different payment received on XX/XX/year> & XX/XX/year> PLEASE SEND DOCUMENTS OF BANK STATEMENTS STATING YOU FURNISHED FUNDS PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF XXXX XXXX XXXX : there are no negatives in payment history so there inaccurate & how im late on TU 90 days & late on XXXX 60 days theres no update in comments section & these accounts on TU HAVE NO UPDATE SUCH AS LAST DATE REPORTED. PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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 2024-01-28 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: TX

Complaint narrative:
In reviewing my recent credit report, XXXX XXXX XXXX is reporting {$5900.00} balance owed with XXXX XXXX  that is not my account. Reached out to XXXX XXXX  and the company is no longer in business. Notified the credit bureaus and creditor to notify them that the account not my account and need to be removed.

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 2024-01-28 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: TX

Complaint narrative:
In reviewing my recent credit report, XXXX XXXX XXXX is reporting {$5900.00} balance owed with XXXX XXXX  that is not my account. Reached out to XXXX XXXX  and the company is no longer in business. Notified the credit bureaus and creditor to notify them that the account not my account and need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my recent complaint XXXX. President XXXX XXXX & FirstPoint Collection Resources , Inc. still failed to send me proper verification under oath of this alleged debt under oath pursuant to ( 28 USC 1746 ). I am demanding FirstPoint Collection Resources , Inc. to stop all communication immediately once again with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: KY

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 XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX  have Violated My Rights : Account Number 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 an 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 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 2024-01-28 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: KY

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 XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX have Violated My Rights : Account Number 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 an 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 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 2024-01-28 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: TX

Complaint narrative:
In reviewing my recent credit report, XXXX XXXX XXXX is reporting {$5900.00} balance owed with XXXX XXXX  that is not my account. Reached out to XXXX XXXX  and the company is no longer in business. Notified the credit bureaus and creditor to notify them that the account not my account and need to be removed.

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 2024-01-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My CD matured on XX/XX/2024. I renewed it to XXXX  months during the grace period for XXXX  months with 5.5 % interest. But when I logged in on XX/XX/2024 I noticed My CD is renewed for XXXX  months with 4.5 % rate. This is so diceptive, I was told I was supposed to renew my CD before meturity date, I have been in contact with Capital One and they refused to provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: PA

Complaint narrative:
Hello I have no knowledge of these inquires as I am a victim of identity theft. Below are the inquires 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 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 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 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 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
Yes, I am not sure why my XXXX  Loan Forgiveness Application was denied in XX/XX/XXXX. I have been XXXX at XXXX XXXX XXXX in XXXX, XXXX  since XXXX. Before that I was XXXX  at other low income schools as a XXXX XXXX XXXX. In the denial from Aidvantage, it stated that XXXX XXXX XXXX was not in the directory of low income schools. And I checked, and it is. I just reapplied for loan forgiveness today and sent them a screenshot of the school I work at existing in the directory. Their actions are very dishonest, fraudulent, and predatory and I want the loan forgiveness I have rightfully earned per the XXXX Loan Forgiveness Program rules. I also want the money I have been paying to them since XXXX back. I am so frustrated. It's not that hard to look for the name of a school arranged by location and alphabetical order, so I have a hard time believing this is not purposeful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : Capital One Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The credit card company refuses to request written proof from the merchant, showing that I allowed them to charge my credit card a second time for {$2800.00} and a third time for {$400.00}. Their argument is that I provided my credit card number over the phone on XX/XX/23, ONLY allowing them to charge {$3700.00}.

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 2024-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had the American Express Serve account for many many years ... Never had any issues. Last night XX/XX/24 a transaction posted for {$34.00} that I didn't authorize and I called customer service and they said it would have to post completed before I could file a dispute. Today, XX/XX/24, I froze the card so nothing else could post ... After a few hours, I unfroze it and was trying to transfer {$6.00} out of my XXXX  into my Serve account, like I've done several times before. Shortly after this, I received an email saying my online access was suspended and I needed to contact them. 2 hours after that I received another email saying I " violated their terms '' and my account would now be permanently suspended. When I tried to contact customer service, I spoke with at least 5 different people trying to gain information ... And was refused any type of information. They weren't helpful, nor would they allow me to speak to a supervisor. I was told I had to physically write a letter to this XXXX XXXX in order to request information and request my money that is sitting in that account. I have NEVER done any type of fraudulent activity. I'm extremely upset. I had to live off of that money in my account until I get to payday... So now I'm going to go without food because of this action by this company. They need to be held responsible!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: AZ

Complaint narrative:
XXXX has my credit file mixed with another person, someone who has a similar name but a different gender. My name is XXXX. I am not only being penalized by XXXX for their mishap, but I have no credit score and I'm being advised that I'm unscorable due to my being deceased. I am alive, and I mailed a notarized letter, my DL, and my Social Security card proving I am not deceased. XXXX ignored these notarized and official documents and nothing changed for over a year. XXXX is allowing a company called Capital One to report on my report for someone else, but I am not that person, nor am I dead. I have filed disputes, and my next step is legal action. I want Capital One removed from my profile along with the name that is not mine, which is not my AKA. I am being denied credit because XXXX refuses to update this information. I want it updated ASAP. My dispute with Capital One should be resolved by XX/XX/2024, based on the 30 days allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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:
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. XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 2024-01-28 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 



I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX XXXX to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-01-28 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by citizens without my consent negatively affecting my credit profile.

Company response to consumer: Closed with explanation