vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
The company one main is still reporting the account as late..XXXX  days now. It was settled for less. Agreed to by the company. They are getting their payments for over XXXX  months. They agreed to remove the negative information they reporting off my credit reports. They are not living up to their agreement. Remove acvount and late payments off my accounts. Credit reports are wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been dealing with fraud on my credit files for years and Im just now cleaning it all up police reports have been filed and multiple complaints Im just seeing all these inquiries that Ive never gave consent too along with accounts open in my name that shouldnt be there. 

Fraudulent and no knowledge of accounts

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
The consumer is reporting that my auto loan is charged off/written off/profit loss but wont send me a 1099-C. The balance is also showing on m credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the erroneous reporting of two accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across XXXX, Equifax, and XXXX data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
High Credit Reporting : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : XXXX and XXXX report XX/XX/XXXX, while Equifax XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : Last reported dates varyExperian ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : XXXX and XXXX report XXXX months, while Equifax lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : Equifaxs inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in XXXX and XXXX indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : XXXX and Equifax report this account as " Paid, '' while XXXX lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MI

Complaint narrative:
I am writing to dispute the erroneous reporting of XXXX accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across Experian, XXXX, and XXXX data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
XXXX XXXX XXXX : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : Experian and XXXX report XX/XX/XXXX, while XXXX XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : XXXX reported dates varyExperian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : Experian and XXXX report 588 months, while XXXX lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : Equifaxs inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in Experian and XXXX indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXXXXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : Experian and XXXX report this account as " Paid, '' while XXXX lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.

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 2024-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I closed a saving account on XX/XX/XXXX. I was supposed to get the check for the closed account. I have still not received the check. I called USAA daily for the past XXXX weeks inquiring the status of the my check. I was told regularly to wait another day or two for the mail. I finally spoke to someone on XX/XX/XXXX that went to page XXXX and discovered that the savings account check had never been printed. He didn't know why it had not been printed but it had not. I have been on the phone with different representatives for weeks and still no check. They tell me they will call me back and never do. I just want my money so I can be done with USAA. The amount of neglect I have endured these past few months is insane. No one should have to go through what I have gone through with a bank.

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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Receive phone calls daily ( sometimes more than one call per day ). Each time I attempt to speak to someone and I'm only able to leave a voicemail ( despite them calling me??? ) or I am hung up on repeatedly. This call is referring to a debt that was paid in full in XXXX. Contacted original lender to see why debt is continuously sold and they have no record of any outstanding balance. Offered full proof of payment and company will not provide an email to send such receipts and documentation. Collector calls from a different number and area code every time. Voicemails threaten to file legal docs and serve me. Can also provide proof of credit reports that prove no such debt exists. 

Company calls from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all unauthorized items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all unauthorized items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Unauthorized withdrawal, {$2100.00} on XXXX XXXX XXXX. Fraud or bank error, from my Citizens Checking Debit Card account. 
Citizens has not been honest or transparent about how this happened. They have told me three different reasons through two different customer support and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of specific accounts from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The details of the accounts in question are as follows : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
This is the problem I have with my Capital One XXXX XXXX  company. I have had this card for years. During these years I have only used one checking account to make my XXXX card payment. I have had over {$20000.00} of nasty debt on this card. Capital one never questioned my payment source. Not once. Never once. So I paid off my crippling debt and relieved myself of Capital One 's predator lender interest rate. I called Capital One and reduced my debt limit to {$700.00}. I now pay off my XXXX card weekly or sometimes once a day. I am committed to never letting my card debt get out of control. 

So now that I no longer pay Capital One any interest whatsoever, AND they pay me cash back, NOW, they close my account down and claim that it is due to the need to verify my checking account. When I was struggling to make my payment they were happy with my one payment source. When I paid nearly {$20000.00} down on the card, they never questioned my checking account. Now that Capital One is no longer making massive amounts of interest off of me, they shut my account down and claim that it is because they want to verify the only account that I have ever used to make payments on this card. 

So, they restrict my account, lock my cash back and claim it is to verify my account, yet they still let me make payments on my card out of my checking account ... the same checking account I have used since day one. 

This has nothing to do with my payment source and everything to do now that Capital One is no longer profiting off of me. 

On XX/XX/XXXX XXXX XXXX restricted my account under the false premise that they want to verify my account. I did follow the instructions. Nothing. 

They were questing my payment source yet, I was able to use this very source on XX/XX/XXXX to pay {$150.00}, XX/XX/XXXX, I paid {$150.00}, {$50.00}, and {$60.00}. 

Again, I have had this card for years and I have never used an alternate checking account or source other than maybe a money order from a bank to make a payment and it's not until Capital one no longer profits off of me that they question my payment source.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I walked into a XXXX and tried to get my first credit card. The employee told me that there was already a card out on my name, with an outstanding balance. 

Turns out that a crazy former coworker who got fired for harassment and anger issues took out a card in my name through XXXX and racked up a debt, more than a year prior. I can't legally prove that he did it, but he sent me much anonymous harassment around the time that the card was created. 

XXXX  have done NOTHING to deal with the card after multiple hour-long phone calls. I've had more than one XXXX phone agent tell me that the issue of the fraudulent card was completely resolved, and that I would see it fixed within a matter of weeks. They outright lied to me, each time. In my most recent call, they finally shoo-ed me away to TransUnion XXXX instead . 

TransUnion was unable to verify my identity after account creation. Part of that account creation involved submitting XXXX. It was extensive and I completed it accurately. 

A TransUnion online agent was unable to verify my identity via in-website messaging. They asked me about my XXXX previous addresses, which I provided. Then, the agent denied me and gave no explanation as to why. 

A TransUnion agent was unable to verify my identity over the phone. He told me to write a physical letter to the TransUnion XXXX XXXX Department with certain criteria to verify my identity. 

I sent information above and beyond the required criteria in that letter, but have received no response for about XXXX months now. 
An online TransUnion agent assured me that there was a " 100 % '' chance that I'd receive some sort of response within 30 days. I have not. 

The process of trying to resolve this fraudulent credit card has been absolutely excruciating and needlessly overcomplicated. Everyone I talk to just passes me off to another agent. 

Now, more than a year after I started the process of trying to get this fraudulent card dealt with, I'm in the process of applying to the XXXX XXXX XXXX. And, wouldn't you know, they check applicants ' credit scores. 

If my odds at a XXXX  career will be compromised by incompetent support from XXXX and TransUnion XXXX, I don't think I'll ever forgive them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
The phone number listed to contact Mr. Cooper does not allow you to speak with a person to allow you to correct any issues. the automated phone system will loop you though how it can help you and return you to the same prompt indefinitely. when selecting other options that lead you to a person such as refinancing those people have no way of connecting you to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
I reviewed my credit report and found several negative accounts listed without supporting evidence of their accuracy. This unverified reporting has negatively impacted my credit and caused significant distress. I am requesting the immediate removal of these accounts due to lack of documentation and compliance with required legal standards.

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