vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: WA

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 2024-01-25 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: TX

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 explanation
Consumer complaint received 2024-01-25 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
In XX/XX/2023, All XXXX  loans under my SSN were transferred from XXXX to XXXX as part of the forgiveness process from the United States Government for my service to my country. In XX/XX/2023, While the other two Credit Bureaus were correctly reporting all my students, Experian continued to reflect XXXX on my credit report. I immediately reported a dispute on my credit report, only for Experian to report that XXXX reported the account as accurate. 

I got into contact with XXXX, who immediately reported that there was no account under my SSN and that Experian was providing me with an incorrect Credit Report from XX/XX/2023 to the present time. 

Since XX/XX/2023, I have provided Experian with Sufficient Documentation from XXXX and the US Government that shows I have no XXXX  loan debt. However, they continue to report the three accounts under my name and SSN, hindering my ability to purchase a home or car at affordable rates due to my credit score being impacted as a result.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I received defective furniture and Citibank is not allowing a charge back and is holding me fully liable for the purchase and I disputed within 60 days of purchase,

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 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX of XXXX, Capital One contacted me regarding an interest to a loan modification which I clearly explained that I had no desire to do so. Capital One then deliberately modified my auto loan without my consent increasing the amount and the duration of the original loan. Capital One claimed that they received my signature to authorize a loan modification via email, which I never received nor signed. After weeks of requesting a copy of what Capital One claimed to be my signature, Capital One sent me a document that was not legible. After continued further requests, Capital One sent me a document that was blank without any signatures what-so-ever. Due to being ignored a lawyer sent a letter to Capital One requesting the appropriate document ; whereby Capital One sent a legible, yet unprofessional, document which clearly is a blatant forgery regarding what they claim to be my signature. The plausible forger ( s ) would be a representative of Capital One ( which they deny ), XXXX XXXX, and/or an accomplice of XXXX XXXX . 

I am the co-borrow of this account which began on XXXX of XXXX. I did not receive an original contract, which includes the account number with Capital One. Capital One claimed I needed to contact the auto dealership for the contract, whereby the dealership claimed I needed to contact Capital One for the contract. This continued for months until both Capital One and the dealership finally sent me a copy of the original contract in XXXX of XXXX. I have never had possession, keys, title, etc. of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They have a my name on report as XXXX XXXX and XXXX XXXX XXXX . My name should only be listed as XXXX XXXX. They also have 2 addresses on there that I have no knowledge of XXXX XXXX XXXX XXXX, Mi XXXX, XXXX XXXX XXXX XXXX, Michigan XXXX. They also have a bankruptcy on my report that I have no knowledge of and I reached out the courts and XXXX XXXX and they cant verify where theyre getting this information from. Ive disputed this information several times but the credit bureaus keep coming back stating that they verified the information but has sent me no proof. I have a letter from the court stating that they have no information also. One last thing, I havent stayed in XXXX in over 25 years so I dont know where these addresses came from I also had to file a police report before for identity theft after my divorce.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I noticed this company reported this account as a charge off, however they never provided me with a copy of the 1099C. They company was suppose to legally send copy of 1099C.Bank of America canceled and forgave this debt with the IRS.

There has been inaccurate reporting on my consumer report as debt. ( 15 U.S.C. 1681 ( e ) ( b ) ). 

BANK OF AMERICA - XXXX XXXX XXXX Opened : 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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I had an eviction in 2019 because I refused to pay one month 's rent because the management of the rebate where I lived did not take their part in fixing things that were broken in the house that I had to fix on my own and When I went to court the final decision was that I would pay the amount I owed for one month 's rent plus the accrued interest and this collection company that I hired to manage that rent is charging me another XXXX that I have nothing more to pay them, I have a letter that is the decision and the final adjustment of what I owe that the judge reviewed the case and that is what I am going to pay. There are no additional charges for damage because I delivered everything clean, returned the keys on time and never They returned the deposit. If they don't remove the debt they put up to benefit from taking advantage of the fraud, I'm going to seek legal help. Here I attach the form of the adjustments that were made to what I owe from the beginning, if they remove those XXXX unfairly repeated that I see on my credit report with XXXX I can not start with a payment plan, otherwise I will take the case to court for the alteration they are making and the injustice they are committing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: WA

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 2024-01-25 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: WA

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 explanation
Consumer complaint received 2024-01-25 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: NM

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 2024-01-25 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-25 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: NC

Complaint narrative:
I recently viewed my credit report and found countless errors. I have some personal information that is not correct and several accounts I don't think they belong to me. There are Charged Off accounts with balances as well. How can that be when it has been charged off and a 1099 was sent to me. Please see letter attached in this site to dispute the cases I am concerened about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America contravened a deposit to my checking account ( refund XXXX XXXX ) Keeping my actual money ( cash and a debit card, not questionable lending practices involving people that can't read contracts )

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX XXXX The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX XXXX The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX XXXX The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. I am a navy federal credit union member., on XX/XX/XXXX a total of {$3000.00} was taken from my checking account without my authorization for a navy prepaid go card. On XX/XX/XXXX Navy federal credit union transferred the funds back to my account. On XX/XX/XXXX Navy federal credit union deducted over {$2300.00} from my checking account, and XX/XX/XXXX deposit of {$1300.00} payroll deposit, Navy Federal credit union deducted {$780.00} from my checking account. I was sent a electronic form for an appeal, I faxed the information and was told by a supervisor it was not received on XX/XX/XXXX. Fraud has taken place and I need answers please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX there was an incident where I my information was stolen and fraud occurred with a XXXX XXXX XXXXXXXX account. They were called and never stated to me the proper steps to take to submit a claim. My information was stolen due to my information data breach and exposure to XXXXXXXX XXXX. The FTC has been notified and a report has been made since I discovered how to submit one in XXXX. The fraudulent information in XXXX XXXX needs to be removed due to inaccuracy.

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 2024-01-25 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2024 I made a police report about my identity being stolen. I recently tried to apply for my first credit card and when I denied from it I discovered I had a credit history on my bank app going back 11+ years ago. I was XXXX at the time. These accounts have been in my name owning multitudes of money. One being an XXXX XXXX card and another bing discover bank card and 3 other closed accounts and 6 hard credit checks. I am XXXX now and this is very serious considering my credit is poor and me myself has never personally had a credit card before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief