vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 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. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Auto Finance reported a late payment to all 3 credit bureaus even with my loan obligation being fully satisfied. My insurance company electronically transferred {$9600.00} to Capital One on XX/XX/23. I'm sharing the receipt of this here. Once I was informed by my insurance agent that payment was made in full, I canceled my last payment. Further, Capital One sent me a refund of two payments after my account closed for the last week of XXXX and the first week of XXXX due to overpayment made on the account. 
Despite providing evidence, Capital One refuses to make the changes necessary on my credit report. As a result of this late payment, my credit score has now dropped XXXX points and I am unable to get financing on another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I learned that BOA only credits .05 % on savings account balances, which is egregiously low in this interest rate environment. I can somewhat tolerate a low interest rate on a checking account as it provides free checking, automatic deposit, and overdraft protection. But what exactly is the purpose of the BOA savings account? Why should anyone put any of their hard-earned money into this product?

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 2023-12-04 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: NJ

Complaint narrative:
I was advised by a XXXX and Equifax representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This complaint is on the business Capital One for deceptive business practices they have access my credit report illegally without my consent numerous of times this has put me in extreme hardship and my personal life meaning I am being denied new credit opportunities because of these deceptive and illegal practices on behalf of the business Capital One I have never been affiliated ever in my life with this company I do not know how they obtained my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: MD

Complaint narrative:
I recently check my credit and notice that there are a few fraudulent accounts and inwuires on my credit file. I contacted the credit bureus on XX/XX/2023 with my concerns regarding these fraudulent accounts and they told me i need to get an FTC report and i did send it via certified mail and i still have not yet receive anything.

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 2023-12-04 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: KY

Complaint narrative:
The law requires the fair credit act law be followed no if and or but about it the fact is my credit report at Experian is completely false based on my race and gender being a successful aXXXX with good credit this company have failed to update my credit card usages on a monthly basis I have my evidence its your job to get your evidence on my credit card balance by the end of the business day today I want the experian app updated or remove all my personal information for life by the end of the business day today False credit card balance is fraud the law requires a monthly update that never occurs based off my race and gender I filed over XXXX disputes within this year of XXXX since XXXX, XXXX and XXXX with mail sent out as still pending and no update or inaccurate information fully removed this is against the law and your job to correct and removed and verify all information on a monthly basis as the The fair credit act law requires all Credit bureau to follow rules and regulations do you understand that law if so do your job by the end of the business day today The law requires I file XXXX dispute only and thats thats not law requires me to keep disputing the same information on my credit report I have already filed dispute on all not XXXX on all XXXX loan if experience, Customer Service employees and managers cant obtain my XXXX loans information, they need to be fired for failure to do your job. Call the XXXX department of education XXXX call them do your job call them right the XXXX now before the end of this XXXX business day XXXX call them right the XXXX now department of XXXX education loans you have the loan holders information on all of them XXXX XXXX loans call each one of them XXXX and see what the XXXX they tell you dirty XXXX I have headed up to the roof with you. Incompetent XXXX XXXX working in this XXXX department, putting the whole XXXX consumers phone because you failed to do your XXXX job and keep this XXXX information up to XXXX date I want you XXXX fired you dirty XXXX XXXX, and I dont give a XXXX I said what the XXXX I said.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX loans used to be serviced by XXXX. In XXXX of 2023, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my XXXX account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, XXXX continues to report all of loans to TransUnion credit report. I have disputed the issue twice with XXXX and twice to TransUnion. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but XXXX continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).

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 2023-12-04 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: CA

Complaint narrative:
I just learned that my personal information was leaked in the XXXX  Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/23 and XX/XX/23 I opened online CDs. The bank accepted my online app, deposit, and I became a customer. I have been attempting to open another but keep getting declined. Ive made 3 calls to resolve to no avail. Theyre obviously swamped with complaints as I was 123rd in line on Friday with about a 3 hour callback. The first two phone reps said it was an identity issue with their third party, XXXX, but couldnt give specifics because its proprietary info of XXXX. This flies in the face of the banks FDIC responsibilities to properly manage 3rd party relationships. I just got my XXXX report and there is no negative info and only the BMO inquiries. All 3 phone reps said there is no management over their process and no human intervention able to change the system process of approval or decline. The last rep said there was no headquarters for bank personnel involved in this process. While this is a consumer complaint, there appears to be much bigger safety & soundness governance concerns worthy of review by the banks primary federal regulator over this inept process.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Approve Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I responded ( via phone ) to an offer received by mail from Auto Approve to refinance my car loan. The representative I spoke with on the phone collected personal/financial information from me to create an account. Before providing my social security number, I asked if there was going to be a hard inquiry on my credit report and was told not at this time. We kept going through the process and then came to a point where a hard inquiry was needed in order to proceed. I declined to proceed, and when asked why, I stated that I did not want a hard inquiry added to my credit report at this time. I thanked the representative for her time and the call ended. 

Minutes after the call ended, I received notifications from XXXX and XXXX XXXX alerting me to the fact that a hard inquiry from Auto Approve hit my credit report. I called Auto Approve back immediately and the new representative looking at my account read the notes the last representative made, most notably " client declines to proceed with hard credit inquiry. '' This representative said that the last representative definitely did not follow procedure and that an inquiry should never have been made. I requested that the inquiry be removed from my credit report but the representative on the phone said they weren't able to but a manger would be able to assist. I was also told that a manager could not be conferenced in to the line and that I could not be transferred to a manager but one would call me back if I provided my call back information. I provided that information but did not hear back that day. I called back the next day and explained what occurred again and received another apology/promise that a manager would call me back, but did not receive a call. I then called the next three days and was told the same thing. A manager never called me back. 

I would like this remedied by the hard inquiry being removed from my credit report. This inquiry resulted in a credit downgrade from " XXXX '' to " XXXX, '' which significantly affected an event in my life. Attached below is the initial ( and only ) written correspondence from Auto Approve.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: KY

Complaint narrative:
Do you job you are fully incompetent to call each student loan holder that you stupid XXXX have the student loans holder phone number the information was sent to XXXX credit bureau by the department of education that the loan was from all students loans is closed this company failed to complete the first dispute filed this year in XXXX XXXX and XXXX on all student loans this is fraudulent activity by XXXX contract the department of student loans today and thats facts call each loan holder and I bet they crack your face completely open XXXX is trash and the facts of life is I have no reason to lie to you are nobody else listen up XXXX you are trash once you contact the student loans department remove this bull. Asap thats the facts of life you failed to do you job consumer and a judge should not have to make you follow the law you are stupid who every failed to verify these students loan need to be fired today get up off your XXXX and call each student loan hold you are stupid clearly stupid you need to be tested for drugs because this dont make any sense call the loans holder right now or resign from your position in XXXX today do your job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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:
Found some hard inquiries on my credit report that are not mine

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 2023-12-04 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Apparently my ex-husband made a payment on his own account. but Care Credit applied his payment to my account. Care Credit then mailed me a refund check as my account was closed. My account was only used for medical procedures for my boys and the refund check was not unexpected once insurance and other payments had been settled. 

Care Credit is saying they made a mistake and doubled the ~ {$180.00} payment my ex-husband made and mailed me a check for ~ {$370.00}. 

As my account was closed I had no way of checking this online and assumed the emails I was receiving were scams. I did decide to call them and check as I was receiving so many emails. Care Credit then told me they had made this mistake and I owe money. 

It feels very fraudulent and completely incompetent. The phone calls were recorded at Care Credit and the last woman I spoke with hung up on me when I was trying to confirm exactly what Care Credit had done. This is poor customer service on top of complete incompetence.

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 2023-12-04 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: TX

Complaint narrative:
XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.

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 2023-12-04 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: TX

Complaint narrative:
XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until 2025. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I havent received my original contract and wet ink signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Refer to the attached documents. I urge the bureau to initiate an investigation into these accounts that incorrectly report me as late, despite my punctuality.

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 2023-12-04 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: KY

Complaint narrative:
Do you job you are fully incompetent to call each student loan holder that you stupid Experian have the student loans holder phone number the information was sent to all credit bureau by the department of education that the loan was from all students loans is closed this company failed to complete the first dispute filed this year in XXXX XXXX and XXXX on all student loans this is fraudulent activity by experian contract the department of student loans today and thats facts call each loan holder and I bet they crack your face completely open Experian is trash and the facts of life is I have no reason to lie to you are nobody else listen up experian you are trash once you contact the student loans department remove this bull. Asap thats the facts of life you failed to do you job consumer and a judge should not have to make you follow the law you are stupid who every failed to verify these students loan need to be fired today get up off your XXXX and call each student loan hold you are XXXXXXXX XXXX XXXX you need to be tested for XXXX  because this dont make any sense call the loans holder right now or resign from your position in Experian today do your job

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now Equifax as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: MD

Complaint narrative:
I recently check my credit and notice that there are a few fraudulent accounts and inwuires on my credit file. I contacted the credit bureus on XX/XX/ with my concerns regarding these fraudulent accounts and they told me i need to get an FTC report and i did send it via certified mail and i still have not yet receive anything.

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