vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On the XXXX of XX/XX/XXXX I made a payment to my credit card company XXXX XXXX XXXX XXXX XXXX. I had a balancer of {$480.00} and paid it off. The payment reflected on my account on the same day and my XXXX XXXX  account was debited. I looked to payment on the XXXX XXXX XXXX and it was cleared and my account balance was XXXX. 

XXXX XXXX XXXX  updated all of my information on the app. Recently I checked my Credit report and found out that XXXX XXXX was reporting my account as active in XX/XX/XXXX ; and not only that, the report says I am owing {$1000.00} with a credit limit of {$1200.00}. 
First and foremost, my initial credit limit with XXXX XXXX  was {$1100.00} and I have paid off all my debt with them. 

I called the customer support center and was attended to on the XXXX of XXXX and I informed them of the recent development, the representative confirmed that I paid off XXXX account and we told him it was never updated since XXXX of XXXX. He took some seconds off came back and said that my payment was reversed. 

THAT INFORMATION IS FALSE! 
I went back to check by bank statement since XX/XX/XXXX the amount was deducted and was never reversed. XXXX XXXX XXXX is reporting a false credit report and also telling lies about my payment. I have evidence of my payment made since XXXX and till this date my account states {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: VA

Complaint narrative:
Three reporting bureaus and XXXX XXXX abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One sold me on a high yield 360 savings account. Ive had the account for years. When rates moved the account paid more/less interest. All of a sudden when rates increase. Their rate did not increase. I was never notified that there were any changes to my account. Today I learn via the XXXX that they changed the terms on my account and created a performance account that pays market interest. I have transferred my balance to the performance account but would like someone to hold them accountable. This is fraud plain and simple. You cant sell someone on a 360 high yield savings account and the when rates increase pay as if it were a savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-21 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I WAS SERVED WITH PAPERWORK THAT IS HAVING ME TO COME TO COURT THREATENING A JUDGEMENT FOR THE FUNDS THEY SAY IS OWED. I THEN RESPONDED TO THE PAPERWORK WITH THE COURTS AND ASKED FOR ADDITIONAL INFORMATION THAT SHOWS THAT I AM RESPONSIBLE FOR THE DEBT ANY SIGNATURES ITEMIZED BILLING ANYTHING THAT WOULD STATE THAT I WAS INDEED RESPONSIBLE FOR THIS DEBT. I ADVISED THE COURTS THAT I HAD FILED FOR IDENTITY THEFT BACK IN XXXX AND THAT THIS MAY BE A RESULT OF THAT FORMER COMPLAILNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
I checked my credit reports there is inaccurate information thats on my file that wasnt made or authorized by me below I have attached my reports! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( 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 according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-01-21 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: LA

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. 

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: LA

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. 

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 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.

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 2024-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc.
State: IL

Complaint narrative:
The original debt was {$400.00} in XXXX from MoneyKey. It was charged off and sold to XXXX and XXXX collections. They have reported to the credit bureaus that it is {$780.00} and the debt is from XXXX. I disputed through the credit bureau and XXXX XXXX responded that what they say is accurate but I have the original documents that say otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
There is improper use on my credit file I have been a victim of identity theft. Below I have attached my ftc form and there is information on my file that should not be there! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( 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 according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I received threatening and abusive emails from an attorney XXXX XXXX from Ohio making outrageous threats about an alleged loan. These threats included threats of jail if not paid in XXXX hours ; threats that a federal bureau was investigating this ; threats to get me fired ; tell all contacts on social media and stating that I owed enormous sums of money that I did not borrow. I received XXXX such communications XXXX in response to requests to validate the debt and to provide the Ohio XXXX number for XXXX XXXX. These had other odd email addresses that were private not a business email as you will see in the attachments. 

I have been very ill and in hospital multiple times recently for emergency XXXX and am filing in bankruptcy. 

These emails are in clear violation of the FDCA and other laws. Further, XXXX XXXX counsel for Speedy Cash, is NOT a licensed attorney in Ohio and has been fined and disciplined for practicing law without a license. 

Please assist as this is exacerbating health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened this Capital One 360 Savings online savings account prior to XXXX because it had a competitive interest rate at the time. Unlike all of my other online savings accounts the interest rate did not go up with the market. In fact, it is very a low interest rate of 0.30 %. I am not sure when and why it got set at such a low rate. Capital One is offering new customers 4.35 % on their accounts. Why are existing customers being treated worse than new customers? 
The account does not have any statements available. I was only able to download two years of transactions. I withdrew most of my money out of the account ( {$3000.00} ) on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MO

Complaint narrative:
Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/year> XXXX  XXXX Dispute Department Dear Sir/Madam, I, XXXX XXXX , am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me XXXX XXXX XXXX, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from XXXX XXXX records, as I did not authorize the opening of the following accounts : 1. Account Number : # XXXX 2. Account Number : # XXXX ( Business Card ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX XXXX and may have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: MO

Complaint narrative:
Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX Dear Sir/Madam, I, XXXX XXXX , am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me XXXX XXXX XXXX, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from XXXX XXXX records, as I did not authorize the opening of the following accounts : 1. Account Number : # XXXX 2. Account Number : # XXXX ( XXXX XXXX  ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX XXXX  and may have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tally Technologies
State: AL

Complaint narrative:
I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.

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 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I WAS SERVED WITH PAPERWORK THAT IS HAVING ME TO COME TO COURT THREATENING A JUDGEMENT FOR THE FUNDS THEY SAY IS OWED. I THEN RESPONDED TO THE PAPERWORK WITH THE COURTS AND ASKED FOR ADDITIONAL INFORMATION THAT SHOWS THAT I AM RESPONSIBLE FOR THE DEBT ANY SIGNATURES ITEMIZED BILLING ANYTHING THAT WOULD STATE THAT I WAS INDEED RESPONSIBLE FOR THIS DEBT. I ADVISED THE COURTS THAT I HAD FILED FOR IDENTITY THEFT BACK IN XXXX AND THAT THIS MAY BE A RESULT OF THAT FORMER COMPLAILNT

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 2024-01-21 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: IL

Complaint narrative:
I am writing to request a copy of my consumer credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). 

I am seeking a comprehensive and accurate copy of my credit report, including information on my credit history and any associated public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
banknof america froze my account i have no access to my account online or at atm i cant use my atm card cant ask what my balance is and they say they have to verify check dwposit lied ans said they trued to call check issuer XXXX XXXX they them said he needs to call but wont give refrence number for.him to call. they refuse to speak to him but tell me they are " trying to speak to him ''. he is also my attorney he tried to speak to the bank. they refuse to speak to him but tell me.they need to speak to him. my money has been frozen i cant access account nor can i see my balance. cant use mobile banking. wont tell me my balance. and they wont give me reason why. please help me they are being crazy at this point. i cant provide my account number because they deleted my online access!

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