vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: Kikoff Inc.
State: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted

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 2024-02-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted

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 2024-02-03 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:
There are three errors on my TransUnion and XXXX credit reports. They are as follows XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX These three accounts are not mine and have to be removed off of my TransUnion and XXXX credit reports ASAP. My XXXX report is free of all false information and shows my true consumer potential.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One offered me a XXXX credit card with a 0 % introductory APR rate on all purchases until XXXX ( as long as I paid the monthly minimum balance on time ). I paid the minimum monthly balance on time every month and I paid off my entire account balance the day before the XXXX  % APR expiration date, yet Capital One still charged me interest on my account. 

My XXXX XXXX monthly statement stated that a minimum payment of {$92.00} was required on XXXX. I paid {$300.00} on XXXX. 

I then paid off the entire card balance of {$8900.00} on XXXX : one day before the promotional APR % expiration date. 

My XXXX statement balance was {$960.00} and was due on XXXX. I paid the entire balance of {$960.00} on XXXX. 

A {$16.00} interest charge appeared on my XX/XX/2024 statement. When I called Capital One they told me that my XXXX payment was late. As I have indicated above... that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a credit card account with XXXX XXXX. I have been actively making payments for months XXXX - XX/XX/XXXX. I have finally got the account to a {$0.00} balance as of XX/XX/XXXX. They are actively and illegally still trying to pull money from my bank account even though I am at a {$0.00} balance. I do not owe any more money. 

XXXX XXXX  failed to accurately report a payment of {$25.00} on XX/XX/XXXX to my account and to the credit bureaus. XXXX XXXX XXXX inaccurately reported late / negative payment history from XXXX - XX/XX/XXXX. This information is inaccurate and extremely harmful to my credit reports with Experian, XXXX and XXXX. 

XXXX XXXX  has failed to answer any of my many phone calls. They have also failed to correct the problem when Ive reached out by email. 

I have filed a compliant with the XXXX XXXX XXXX on XX/XX/XXXX but the compliant was unresolved and closed on XX/XX/XXXX due to XXXX XXXX failing to respond to them after several attempts. 

I want this account closed immediately and I also want this account permanently removed from my credit report with Experian, XXXX, and XXXX. 

This is a violation of 15 USC 1666B of the Fair Credit Reporting Act. XXXX XXXX has failed to report accurate and timely account information.I have a right to a complete, correct, accurate, verifiable credit report.

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 2024-02-03 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: AR

Complaint narrative:
On XX/XX/XXXX I first notified the credit bureaus XXXX, XXXX  and transunion of fraudulent accounts I noticed reporting on my profile. I have sent 3 certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/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 explanation
Consumer complaint received 2024-02-03 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: AR

Complaint narrative:
On XX/XX/XXXX I first notified the credit bureaus equifax, XXXX  and XXXX  of fraudulent accounts I noticed reporting on my profile. I have sent XXXX certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Unsolicited credit inquiry that I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I have spoken with Apple Card ( Goldman Sachs ) representatives both by text conversation and over the phone on multiple times throughout XXXX, XXXX, and XXXX ( some of the dates : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ) requesting information about closing my Apple Card account and enrolling it on a " debt management plan '' ( DMP ) with a lower monthly interest rate similar to the plans offering internally by some credit card companies and by non-profit consumer counseling agencies. I was only given information about their " Customer Assistance Program '' and was allowed to enroll in this program a month at a time ( I had to contact them each month ) for about 6 months before they no longer allowed this as an option. Currently, I am not given any options to lower my interest rate and enroll my account on a payment plan to pay off the balance in a fixed amount of time with a lower interest rate. Currently my Apple Card interest rate is 27.24 % and I have a balance of {$3000.00}. Apple Card ( Goldman Sachs ) does not offer a long-term internal payment plan nor does it participate with any non-profit consumer credit counseling ( NPCC ) agencies ( I have spoken to about 8-10 different agencies and they all say that Apple Card does not participate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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:
Attached is my FTC REPORT! 

My Name is XXXX XXXX and I am a victim of Identity Theft. The following accounts provided are Fradulent and my identity was stolen. These negative items on my credit report are Fradulent and not known my be. Please XXXX and remove these innaccurate and fraudlent accounts that are not mine These Fradulent accounts are attached to my FTC Report

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 2024-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My HELOC Loan was suspended by PNC Bank for no cause. I had gotten the HELOC loan about 2 years ago and had not drawn out any money from the HELOC at any time. I received a letter from PNC that they are suspending my HELOC loan because my credit score had dropped. I have created a XXXX video that provides more details about my situation. XXXX XXXX XXXX XXXX XXXX XXXX When I tried reinstate the loan I had to provide my tax return, a notarized letter that I wanted my HELOC reinstated. It was like as if I was re-applying for the HELOC. 

My reinstatement was denied and they said that their decision was based on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed to Discover 's corporate address, a restrictive endorsed payment. This tendered payment was received on XX/XX/XXXX and picked up XX/XX/XXXX. 

I contacted Discover on XX/XX/XXXX as to the status of my accounts and the reflection of my balances for the tendered payments. I was instructed to call back in XXXX days. 

I called back on XX/XX/XXXX and was told no one in the Discover Executive Office was available so I was forwarded to the voicemail. After some phone tag, I finally spoke to XXXX and was told Discover would not perform per the Cardmember agreement listed under the " Payment Instructions '' section which states, in part, We can accept late payments, partial payments or payments marked payment in full or with any other RESTRICTIVE ENDORSEMENT without losing any of our rights under this Agreement. 

I was escalated up to another lady, who stated she would escalate the call up to her manager. Instead of performing per the cardmember agreement, Discover sent me a solicitation to complete form XXXX which I declined as it had no bearing on their performance and I believe was retaliatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have mailed multiple letters with my current address however XXXX  has not removed incorrect addresses.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have mailed multiple letters with my current address however XXXX  has not removed incorrect addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
I have sent multiple attempts via XXXX to XXXX and Equifax to have XXXX accounts investigated on my account. 

The credit bureaus XXXX and Equifax did not properly investigate the discrepancies, and nothing changed my profile. 

Account Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no knowledge of this account which is roommate got my identity information I was not aware of. which is causing my credit report to go bad. also, I asked the company to show me the proof of paperwork and they failed to provide it. and that's why I need your kind concern to resolve it. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XXXX XXXX has me added to her jet Blue credit card and I want to be removed off it as an authorized user.

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 2024-02-03 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: Grain Technology, Inc.
State: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

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. 

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 2024-02-03 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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974.

1 ) VOLVO CAR FINANCIAL SERVICES : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :

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