vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OZK
State: GA

Complaint narrative:
I am the executor of estate for my deceased fathers accounts. I have been denied bank statements to all of his accounts. The bank was unable to locate 8 mths worth of Soc security benefits I provided the account number from Soc sec administration I was then told that the account was in fact in my fathers name but I could not be provided the statements for the account until after the branch manager XXXX XXXX who was assisting me at that time came back from vacation in 6 days, 6 days later I was told that they found the payments and that they had been put into the wrong account but that is opposite of what I was originally told the bank has been delaying access to accounts in my fathers name since XXXX my XXXX passed XX/XX/XXXX. I believe the bank hiding information and or funds and i would like an audit of the account provided by Soc Sec Administration

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
I am writing to bring to your attention an error on my credit report regarding a late payment history that is inaccurate and needs to be resolved immediately. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that all reported information is 100 % accurate, fair, and verifiable. I believe the late payment history being reported does not meet these standards and, therefore, requires a thorough investigation. 

I respectfully request the following resolution : Verify the late payment history with the furnisher of the information. 
If the information can not be fully verified as accurate, remove the late payment history from my credit report immediately. 
This inaccurate reporting negatively impacts my credit score, and I urge you to treat this matter as a priority. Attached are copies of my identification and proof of address to facilitate the investigation process. 

Please confirm in writing that the issue has been resolved and provide me with an updated copy of my credit report. I expect your response within the required 30 days as per the FCRA guidelines. 

Thank you for addressing this matter promptly. I appreciate your cooperation in ensuring the integrity of my credit file.

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 2024-12-17 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:
I am writing to bring to your attention an error on my credit report regarding a late payment history that is inaccurate and needs to be resolved immediately. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that all reported information is 100 % accurate, fair, and verifiable. I believe the late payment history being reported does not meet these standards and, therefore, requires a thorough investigation. 

I respectfully request the following resolution : Verify the late payment history with the furnisher of the information. 
If the information can not be fully verified as accurate, remove the late payment history from my credit report immediately. 
This inaccurate reporting negatively impacts my credit score, and I urge you to treat this matter as a priority. Attached are copies of my identification and proof of address to facilitate the investigation process. 

Please confirm in writing that the issue has been resolved and provide me with an updated copy of my credit report. I expect your response within the required 30 days as per the FCRA guidelines. 

Thank you for addressing this matter promptly. I appreciate your cooperation in ensuring the integrity of my credit file.

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 2024-12-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I am filing a formal complaint regarding Kickoff 's credit-building account due to misleading practices and financial loss. I opened and funded this account with over {$200.00}, under the impression that it would help improve my credit profile. I made my required monthly payments, expecting the funds I provided to be returned upon closing the account.

However, when I closed the account, the funds were not returned. I received no money backonly a credit line reflected on my credit report. This is not standard practice for credit-building programs and was not clearly communicated to me at the time of enrollment.

Furthermore, I was advised by a loan officer to close this account as it was negatively impacting my credit score. As a result, not only did I lose over {$200.00}, but my credit suffered instead of improving, which defeats the purpose of opening the account in the first place.

I feel misled into paying money I could not afford, believing it would help me in the long run, only to face financial harm and credit damage. I request that Kickoff be investigated for their misleading practices and that my {$220.00} be refunded to rectify this situation in addition an additional {$220.00} to cover the damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: HYUNDAI CAPITAL AMERICA
State: WY

Complaint narrative:
I went to XXXX XXXX XXXX XX/XX/year> with the purpose of looking at a vehicle, and possibly purchase. For them to give me the numbers I was looking for they had to do a credit inquiry, which I approved. I did not like the offer, and the numbers they gave me, so I left. On the following day XX/XX/year>, I got a message from my financial institution that there was a possible unauthorize hit on my credit report. It showed that it came from Hyundai Capital America. 
Cause of life issues, I wasn't able to contact Hyundai right away. I contacted what I thought was the corporate office, at the end of XXXX. I have been given the run around ever since then. 
I had emailed the General Manager of XXXX XXXX, XXXX XXXX, and I left a message for Assistant General Manager XXXX. Then today, I talked to a XXXX XXXX, who told me that they are not able to remove the hit, and try to blame another financial institution. Which I told him multiple times that if it were another financial institution it will show that entities name, however it is showing Hyundai.

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 2024-12-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On several occasions, I requested a detailed history of my previous student loan payment history. I recollect requesting this information twice in XXXX of XXXX. At which time I was informed such information request would take up to 30 days to receive. To date, I have not received the requested information. 

I made a call to MOHELA today, XX/XX/year>, spoke with a representative who identified herself as XXXX, a supervisor with the resolutions department. 

XXXX informed me I never received the requested information, because MOHELA could not send me my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-17 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
This morning, I noticed unauthorized inquiries appearing on my credit report, and I have no idea why. I routinely checked my credit report, and to my surprise, there were discrepancies that had never been there before. I even tried refreshing my browser to see if it was a temporary glitch, but nothing changedthe inquiries were still there. I am incredibly frustrated by this issue and urge you to review the documents Ive submitted thoroughly so I can put this matter behind me for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
THERE IS AN FRAUDULENT AUTO LOAN ON MY ACOUNT FROM XXXX FIN ACCOUNT NUMBER XXXX. I WAS INCARCERATED DURING THE TIME THIS XXXX WAS 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 non-monetary relief
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-17 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: MS

Complaint narrative:
XXXX XXXX is reporting a charge off on my file to transunion, XXXX and XXXX. 

On the account, the date of last payment is reporting XX/XX/XXXX for Tranunion and XXXX and XX/XX/XXXX for XXXX this is an inconsistency, inaccuracy on my credit profile. Because I am entitled to maximum possible accuracy I would like this account verified and either properly corrected or promptly deleted per Fcra 15 u.s.c 1681i Additionally, promptly notify the data furnisher within XXXX  days of receiving this dispute

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 2024-12-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file

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 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach and I request that all the accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of the breach and I do not want them to negatively affect my credit file.

Please find below the list of accounts and inquiries that should be blocked and deleted : Accounts : 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 XXXXXX/XX/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 2024-12-17 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:
Im so confused and desperate right now. Ive always checked my credit report regularly, but this morning, I saw inaccurate accounts appear out of nowhere, and I have no idea why. I thought maybe it was just a browser glitch, so I kept refreshing, hoping the issue would disappear. But the accounts are still there, and I feel powerless to fix this on my own. I dont understand what happened or why, but Im begging you to carefully review the documents Ive provided to make this right.

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 2024-12-17 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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