vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid down my debt but still show inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX I noticed 2 unauthorized debits were taken from my checking account, on that very day, {$6000.00} to XXXX XXXX XXXX, who did not receive and funds and the second was {$4900.00} that was an online check payment made on my account from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX to XXXX XXXX endorse and cashed at a XXXX Bank. 
I went to the BMO branch and reported the fraud and filed the proper forms. The {$6000.00} was refunded to me on XXXX XXXX. However the other funds have not been refunded and they will not talk to me about my case and the branch said it's because it's an identity theft investigation. I have asked the branch to give me updates and they said they can not and I would have to all corporate, corporate said they can not give me update and I need to call the branch, so around and around I have gone I have copies of the check front and back.

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 2024-02-01 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: 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.

Account Name : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-02-01 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. 

Account Name : XXXX XXXX Account Number : 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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX I was looking over and writing down all my transactions to keep post so while I was doing that I came across 2 atm withdrawals 1 for XXXX and the 1 for XXXX and this out of my capital one account debit and this happened on XX/XX/XXXX and XX/XX/XXXX it says money was transferred out of my XXXX XXXX to my capital one and I put a claim through on XXXX with capital one because thats when I found out I dont really use this account only sometimes I use my other bank account now on the XXXX they say my claim was denied and I told them that somebody must have made a copy of my card because I had my card on me its machines thats out here while I was doing my own investigation that its machines them at people have that can take ur card info inside stores gas stations etc I just really want my money back thats all and now they saying they go appeal it 10 to 15 days is a long time for me to receive my money I need my money back now they told me they was goin to give me a credit they lied so now ima wait and see what they do Because

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: SC

Complaint narrative:
This is my seventh attempt to notify you noticed that your agency is in multiple violations I am in the process of refinancing my vehicle, and I was denied due errors on my credit report. Im entitled to monetary compensation under FCRA 15 US Code 1681i ( 6 ) Notice of Results of Reinvestigation and Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. 

I am asking that you please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent, which means the information can not be validated per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( XXXX ) under transitions not initiated by consumer. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Automobile Dealers, New XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I wish you to permanently remove these ALLEGED XXXX  ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. Demand you to remove this account from all XXXX of my credit reports XXXX XXXX XXXX - Account number : XXXX This account is closed, yet it keeps reporting alleged late payments. This is not right and is a violation of my rights. These old/closed accounts that are still being reported Inaccurate. Also, these old/closed accounts where never validated per 15 US Code 1692g, 1692g ( a ) ( 2 ), and 1692g ( a ) ( 3. I demand you to remove this account from all 3 of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 

XXXX XXXX XXXX  - Account number : XXXX Lastly, XXXX XXXX XXXX XXXX  - Account number : XXXX is reported late payments, this is a computation error or similar error of an accounting nature of the creditor on a statement. There is no hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : 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 2024-02-01 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX 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 2024-02-01 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: FL

Complaint narrative:
Equifax provided a copy of my credit report to multiple companies without my authorization : -XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX  -XXXX  Credit on XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$74000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX I Original creditor XXXX XXXX XXXX Balance : {$2200.00} CXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX  XXXX Balance : {$73000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00}

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 explanation
Consumer complaint received 2024-02-01 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:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-02-01 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: FL

Complaint narrative:
XX/XX/XXXX I sent a letter to experian asking them to investigate account XXXX XXXX account # XXXX. The tracking # XXXX I received a letter from experian saying that the information was accurate. 
i just recently looked over my account XX/XX/XXXX and noticed the information is still reporting inaccurately. The credit reporting agency is not reporting accurate information on the report. The dates are different the amounts are different and the report is not a 100 percent accurate. 

USC 15 1681 i Expierian did not do a proper investigation of this account and did not up hold law and lied on a official documents saying they did something they didn't do. I have evidence to prove my case.

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 2024-02-01 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:
Experian is reporting 3 different COLLECTIONS Accounts on my consumer report which are Not accurate. The first account is XXXX XXXX ( {$3600.00} ) for which I have No contract with. If they purchased debt from XXXX XXXX XXXX  that debt belongs to them. I am Not Legally binded. 
The second account is XXXX XXXX XXXX ( {$2400.00} ) for which I have No written contract with. They purchased debt from XXXX XXXX XXXX  without my consent. This debt now belongs to XXXX. 
The third account is XXXX XXXX XXXX of XXXX  ( {$680.00} ) for which I have No written agreement with. They bought debt from XXXX, so now it belongs to XXXX, Not me! 
All of these accounts are reporting on my consumer report illegally.

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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine... I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in your company 's name. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we request deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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
State: PA

Complaint narrative:
Capital One Opened XX/XX/2017 allegedly owe : {$1600.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX., I went into Wells Fargo branch location at XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, for an appointment with the sole purpose of having my existing checking and savings accounts transferred into my relatively recently established Revocable Trust, as a part of my personal estate planning. I provided the personal banker ( as his manager provided oversight ) with my entire Declaration of Trust document and the Employee Identification Number ( established specifically for the Trust ) provided to me by the Internal Revenue Service. The WellsFargo representative made copies of all of my documents, processed the changes in their system and provided me with receipts of the change being made to the three of my accounts that were to be placed in the name of the Trust. On today ( XX/XX/year> ) I received a call from the same Wells Fargo branch representative advising me that the changes were rejected from corporate due to the EIN not being listed in my Revocable Trust. I advised/explained that you can't get an EIN for a Revocable Trust UNTIL the Revocable Trust is executed and you declare that the Revocable Trust has been executed when you request an EIN for the Trust. He insisted that this was the direction he had been given, which I disagreed with as I've had my checking and savings accounts at other financial institutions complete the same transaction without issue. I requested to speak to someone in corporate and was transferred to a WellsFargo representative with whom I filed a complaint regarding this matter and that case number is XXXX. It is known that Wells Fargo has a history of unscrupulous business practices when it comes to people of XXXX, of which I am a part of. People create Trust everyday and transfer their assets into them daily so this additional request makes no sense. But the kicker in the conversation with the personal representative was at the end of the conversation he advised me that this required amending of my existing personal Revocable Trust to include the EIN in the Trust document had to be completed asap or my existing personal checking and savings accounts would be closed. This further infuriated me as i've been an account holder with this financial institution for 20+ years and again none of what the representative state as a requirement made any sense. The personal banker subsequently advised that he/his manager would be filing a complaint with corporate on my behalf but that didn't make sense either and don't trust their internal checks/protocal/oversight given their recent history and settlements.

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 2024-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I cancelled XXXX XXXX XXXX internet and got new internet. They charged me for an extra month and sent to collections. Dispute resulted in no action.

Company response to consumer: Closed with non-monetary relief