vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Me and my husband have a joint account in Capital one bank for several years. I have always logged on on the bank site. My husband never created his login. 
On XX/XX/XXXX XXXX, when I logged on, I noticed that {$20000.00} had been transferred to a bank account in Washington state, from our account on XX/XX/22. We had never initiated this transaction, neither did any of us have any account in this bank in Washington state. 

We called the bank on XX/XX/XXXX about it. 
Someone was able to create a new login my husbands name, with new address, telephone and link / transfer funds to a bank in Washington state without any alarm bells going off in the Capital One bank security department. 
We were never notified about it by the bank about it by email, or via phone. 


Since then we have been calling the bank repeatedly about it. 
We were initially told that this fraudulent transaction will be resolved in 1 week but we have not received our money yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have had multiple problems with Chase bank. A few months ago I opened two business checking accounts with them in their branch, these accounts were closed without warning about 1-2 weeks after opening them. Later against my better judgement I opened a personal checking account with Chase. I transferred in funds from my other account outside of Chase. Again about a week or so after opening this account Chase closed this account unexpectedly. It has now been a month since the account was closed and they have failed to return the funds in the account. I have asked them to both return them to the original bank or send a check to the address on file. The first time I called them shortly after they closed the personal checking account, they said I would need to visit a local branch and verify my ID. I went into the local branch on XXXX XXXX XXXX XXXX XXXX XXXX, the banker at the branch said that a check had been mailed out and should arrive to the address on the account within a few days, two weeks pass and nothing. I call Chase again and they pass me off to their fraud department, the man I spoke to said that no check had been mailed out and that one would be mailed out in a couple days. A week later I call them again, and I get transferred to the fraud department again. The rep this time was at least honest and told me that in fact no check was ever sent out and that I would have to visit the branch once again and the branch would need to call the fraud department and speak to the directly so they could issue a check. Im having to find time during my day to make time if I can even do so to go to the bank to handle this. Im deeply frustrated by the lies they have repeatedly told me, the time that has been wasted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX account open date XXXX XXXX XXXX  account open and closed date XXXX Experian credit report shows ex husband as co applicant illegally XXXX account I had a freeze it was unlocked XXXX. Police report identity theft no actions been taken by either buissness, police report been made also by a individual use my name different spell use my social security number ftc foia ogis reference number Unemployment with my social security number, insurance company disclose my information to ex SPOUCE illegally and my attorney information

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Credit Reporting agency has violated my consumer rights. After reviewing my credit report I noticed several inaccuracies, duplicate accounts, accounting errors, inquiries I did not authorize. 

The complaints were mailed on XX/XX/XXXX. XXXX by certified mail and the credit reporting agency failed to complete an investigation within 30 days. FCRA Section 623 ( a ) states that a furnisher of consumer credit reporting must correct or delete any inaccurate information within 30 days of a dispute. XXXX failed to provide any response or even an acknowledgement of my dispute letters. The following accounts are in dispute : XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act also stats that consumers are not to have duplicate reporting of any account on their credit report. The following accounts are duplicates : XXXX XXXX XXXX Account # XXXX - LISTED 2 TIMES XXXX XXXX Account  # XXXX - LISTED 5 TIMES The following companies are reporting inquiries on my report that I do not recognize. CFPB 12 CFR Part 2002 Equal Credit Opportunity Act - states protects any consumer applicant from discrimination of credit transactions. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 states a consumer reporting agency can not furnish an account without my written instructions.

I have highlighted only a few of violations committed by this agency against me. I demand all the above information be removed from my credit file immediately. XXXX has had more than enough time to investigate, validate for accuracy and provide me this documentation and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 1. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 4.INQUIRY- XXXX XXXX : DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX FIN DATE : XX/XX/XXXX XXXX. INQUIRY- AMERICAN CREDIT ACCEPT DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 10. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX  DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- COAF DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY : XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX & XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OF XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX 30. US DEPARTMENT OF EDU OPEN DATE : XX/XX/XXXX 2015

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 Credit Bureau suspiciously dropped my score within a 24hr period from XXXX down to XXXX without being able to offer me any explanation at all based on my credit report reviewing with Equifax .

Normally credit scores drop with this wide margins if there are significant negative changes to ones credit reports. However, in the case of mines, my credit report history over the last 6 months, score showed a significant improvement in my personal financial data 's. 

This may indicate 1. a gross incompetence, 2. a discriminatory practice or 3. an wanton abuse or 4. a dereliction of duty, or 5, a reckless negligence etc. on the part of Equifax, which admitted to not finding any negative factors that may contribute to a XXXX point dip in credit score within a 24 hour period. 

I hereby appeal to federal investigators to help intervene in my issue here. My score should actually be increasing rather than decreasing based on various improved credit financial data 's showing up on my report over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, Equifax and XXXX ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On numerous occasions I have contacted the three major credit reporting agencies ( Experian, XXXX and XXXX ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015

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 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
Upon receiving the response from eagle loan I hereby want to start a lawsuit against the things that eagle loan company has wronged me on. Number one issue is they call me every single day of the week u days a week amd lied about it. Number two my signature was not the signature used to sign the check and I was not the one who cashed it out, I reported it as stolen to the police and they were not able to do much about it other than stated I should try to get eagle loan to completely forget the debt. Again I repeat I will not pay any more money for a loan I did not sign for or cash out! If the loan isn't forgiveness due to these factors I will have no choice but to file a lawsuit for the unjust actions of the members including branch Manager for purposely still making me pay off this loan I will to every event I have continue to disagree with the fact that i should not be held liable since my signature was forged as well as the check being cashed by someone who pretenses to me. Another thing that I wish to state is that when they do Call they tell me they have threatened time and time again with various actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date XXXX  30 days late.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

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 non-monetary relief