vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had a Kohls charge card for 10 years, always in good standing. My most recent transaction was to pay off the {$41.00} balance, on XX/XX/year>. In XXXX Kohls was bought out by Capital One, and rather than transfer my Kohls account to the Capital One platform - they CLOSED my Kohls account, and then OPENED a new Capital One account - without my knowledge or permission for either. Both actions have negatively impacted my credit report and score. I was alerted to this because my credit score dropped from XXXX to XXXX, overnight. I am currently trying to buy a house, and this has had disastrous consequences. Also, XXXX XXXX supposedly sent me a new card for this new account- but I have never received it. I've attempted 3 times to call them to ask them to send me a card for this new account, but they will not. Currently they have my account 'Restricted " because of some alert to fraudulent activity that they will not discuss with me - and yet the account Restriction is also negatively impacting both my credit score and report. They won't discuss whatever fraud they're worried about - because I refuse to verify my identity by sending Capital One a photo of my state ID. I've never been asked for physical documents to verify on a phone call, and it seems very intrusive and phishy. They will not verify my identity by asking my security questions or providing my Security PIN, or confirming my full SSN or DOB, etc. I offered to provide all my past addresses or phone numbers, my mother 's maiden name, etc. - but they won't accept any of those as verification, in order to be able to discuss my account with me, or send me a physical card, so that I can use the account they opened for me without my permission. I should not have to provide a photo of a state ID to be able to access my own account which they are opening, closing, and restricting. They HAVE numerous other identifying pieces of information which can be used to verify my identity. It is unreasonable for me to have to provide yet more to gain access to my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
attached is the document I received from XXXX, a dba of XXXX XXXX which is the real owner of the loan at issue here. 

XXXX XXXX, XXXX represents XXXX XXXX, a corrupt organization that is being used to steal the property of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

There has been no evidence provided to show any proof of a sale. A cash offer was submitted but even that has not been proven. No trace of where the money started or ended. the auction.com site was deleted and there is no evidence to even show there was a legitimate sale took place EVER. 

A couple people showed up at my home insisting that I evict from my residence. Not happening. 

As far as the CFPB is concerned, like I said, your job is to protect the consumer. stick to your job and stay out of deciding when I should file a complaint. I've done my job, now you do yours. PROTECT- do you need help on that term?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MN

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 {$1000.00} 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 non-monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-23 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: IA

Complaint narrative:
while checking my most recent credit report i noticed unauthorized and fraudulent credit inquires made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. in addition I did not give them permission to furnish this information onto my credit report this is a violation of the FCRA SEC.1681b ( c ) which constitutes as fraudulent activity an is a serious breach of my privacy rights. 

Fraudulent and unauthorized hard inquiries XXXX XXXX, date opened XXXX XXXXXXXX XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX ( XXXX  ), date opened XX/XX/year>, XXXX XXXX ( auto ) date opened XX/XX/year>, XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX XXXX date opened XX/XX/year>, XXXX XXXX XX/XX/scrub>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 2024-12-23 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: NY

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX XXXX, NY CHILD SUPPORT XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent account : XXXX XXXX XXXX/ XXXX, NY CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-12-23 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: NY

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX XXXX, NY CHILD SUPPORT ENFC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent account : XXXX XXXX XXXX/ XXXX, NY CHILD SUPPORT XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX / XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX. has contacted me over XXXX times over the past 3 months in an attempt to collect a previous debt. Each time they have contacted me, they have utilized various phone numbers in efforts to get me to answer the phone. Each representative has been asked to provide me with information regarding my debt to be mailed to me via USPS. I have verified they have the correct physical address where I receive mail. To date, I have received no correspondence from their offices. Today at XXXX I received another phone call from this company. I verbally gave them a Cease and Desist and advised them that Ive been willing to work with them, but just need documentation from them to ensure this is an actual debt. They have failed to provide requested documentation on several attempts, but continue to call. I advised the company today that I will no longer accept any phone calls from their organization until I receive proper documentation of my debt from them via USPS. This is harassing behavior on the companies part, and I have begun to speak with legal council regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXX XXXX. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX that is called XXXX XXXX card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXX card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.

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 2024-12-23 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: IL

Complaint narrative:
Im beyond frustrated after looking at my credit report and seeing multiple inquiries from your company that I never authorized. These inquiries are wrecking my credit score, making it impossible to get decent loan terms, and adding unnecessary stress to my life.

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 2024-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by Equifax. 
Late payments were reported for XX/XX/year> by XXXX and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for XXXX and XXXX I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ). Legal Obligations Per 15 USC 1681 ( a )
( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " XXXX XXXX Agreed Never XXXX. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Upon conducting a recent review of my credit report, I discovered several items that are unverifiable, invalidated, inaccurate, and questionable. These inaccuracies have caused me significant distress and hardship. Your agency is obligated under federal law to ensure that all reported information is accurate and complete. Per 15 U.S. Code 1681e ( b ), it is required that you, as a consumer reporting agency, " follow reasonable procedures to assure maximum possible accuracy '' of the information reported about me. However, the items listed below fail to meet these standards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts and have not been verified.

Company response to consumer: Closed with explanation